Day To Day Banking Companion Booklet - Scotiabank PDF

Day-to-Day
Banking
Companion
Booklet
August 2013
Introduction
Opening A Personal Deposit Account
Transferring Your Account to Scotiabank
Account Selector Tool
General Information about Personal Accounts
Day-to-Day Banking Accounts
Special Feature Plans
Savings Accounts
Foreign Currency Accounts
Other Banking Services and Fees
Cheque and Payment Processing Service Fees
Transfers
Overdraft Protection
Inactive Accounts
Account Closing
Self-Service Banking Options
General Fees
Safety Deposit Boxes
Resolving Your Complaint
Personal Banking Services Agreements
ScotiaCard Cardholder Agreement
Scotiabank Group Privacy Agreement
Overdraft Protection Agreement
Telephone/Fax/E-Mail Banking Agreement
Bank-to-Bank Transfer Agreement
Bank The Rest savings program Agreement
Deposit Account Agreement
17
23
14
18
24
26
26
33
11
21
21
26
33
34
37
53
59
61
63
64
65
Introduction
Welcome to Scotiabank
...where we make it easy for you to do all your banking. We know everyone has their own
way of banking and their own unique set of banking needs. With our full range of banking
services, were sure youll find the right combination of services to meet your needs.
Providing services that are easy to use and convenient for you is our top priority.
Whether youre starting a family in a new home, building investments for your future,
saving to put your kids through college, or opening your first bank account, Scotiabank
has a banking service for you... and for the way you prefer to bank.
In fact it all comes down to your preference for how you want to do your banking, along
with the number and type of transactions that you make every month. Use the Account
Selector tool on page 6 to help assess how often you bank, how you prefer to bank, and
what type of account best suits your needs.
Scotiabank understands that you may feel most at home banking with a teller in your
branch. Or maybe you prefer to use our online, mobile, telephone and ABM self-service
banking options at your convenience. Whatever your financial needs or your schedule, we
strive to enable you to manage your money in the manner which suits you best.
We know everyone is concerned about the cost of bank fees, so weve designed a variety
of accounts and plans based on the number and type of transactions that you need to do
each month. Weve included some tips on how to save money on bank fees in addition to
the fees for other services that you may use from time to time. Depending on the type of
account you choose however, these services may be included.
So whats in this booklet?

We explain the types of services we offer to Scotiabank customers along with the terms
and conditions that govern those services, or what we call our personal banking services
agreements.
Most important of all though, is the way we manage your personal information, and thats
where our commitment to privacy comes into effect. We believe strongly that it forms the
basis of our relationship with you. So we present that commitment to you first in the
agreements section.
Satisfaction Guarantee
From time to time we make changes to our account features and fees. If you receive a
statement with your account, we will notify you of any upcoming changes to your account
features and fees by mailing you a notice with your statement. For accounts with multiple
account holders, we will send the notice only to the account holder who currently receives
the statements. We also display notices in our branches and at our ABMs 60 days prior to
making any changes to the fees. When we make changes, as always, we want you to select
1 Welcome to Scotiabank
Day-to-Day Banking Companion Booklet

the best account to help you save on fees or in some cases pay no fees at all. If you are not
satisfied with changes to your account, you may select an alternate Scotiabank account
within 90 days of the effective date of the changes and on request, we will refund the
difference, if any, between the fees that you have paid and the fees that you would have paid,
had you selected the alternate account on the effective date of the changes1.
Definitions you need to know

You, your means each account holder of a deposit account.
We, our, us, Scotiabank and the bank means The Bank of Nova Scotia and, as
appropriate, any of our Canadian subsidiaries.
Account means personal deposit account.
Self-service transactions means transactions processed without the help of a teller
through a Scotiabank ABM (automated banking machine), online, mobile or
telephone banking.
Teller-assisted transactions means transactions processed directly with a teller at
any Scotiabank branch.
Assisted telephone transactions means transactions completed by a TeleScotia
service representative.
Debit transactions means withdrawal of funds from an account which include cash
withdrawals, cheques drawn on your accounts, fund transfers to other Scotiabank
accounts or other financial institutions, bill payments, pre-authorized payments and
Interac Debit.
Inactive accounts means those deposit accounts having no customer-initiated
transactions or customer-initiated activities for 24 consecutive months.
Account activity means customer-initiated transactions or requests as well as
automatic fees or interest transactions generated by the system.
General terms and conditions

You agree to the terms and conditions in this booklet, including all of the personal
banking services agreements (collectively, the agreements), as they apply to you.
Your Application for Deposit Services forms a part of this booklet.
Who is bound by this booklet?
All of the provisions in this booklet, as they apply to you, are binding on you, your estate,
your heirs, executors, administrators and your personal and legal representatives.
Separate agreements and severability
Each of the agreements contained in this booklet is a separate contract. If a court holds any
of those agreements or any other provision in this booklet as invalid or unenforceable, in
whole or in part, the remaining agreements and provisions shall still be in effect and binding.
1 If
you choose to close your account within 90 days of the effective date of the changes, on request, we will refund the
difference between our old and new fees for any fees that you have paid.
Trademark of Interac Inc. used under license.
Introduction 2
Opening A Personal Deposit

Account
We make it easy to open a personal deposit account at Scotiabank. Simply visit any of our
branches and speak to a branch representative to make arrangements to open an account,
or contact us at 1-800-4SCOTIA (1-800-472-6842) or log on to www.scotiabank.com.
This booklet contains detailed information on the fees associated with our personal
bank accounts and related services. For more information contact 1-800-4SCOTIA
(1-800-472-6842) or visit www.scotiabank.com.
Youll also receive a ScotiaCard banking card. We ask you to select a personal
identification number (PIN) to use with your card. When you use your PIN with your
ScotiaCard banking card you are providing us with your electronic signature and we
consider all transactions made this way to be authorized by you.
The details about using your ScotiaCard banking card are described in this booklet.
Confirming Your Identity
When you open your personal deposit account at a Scotiabank branch, you will be required
to present to us certain pieces of personal identification. Further details about what
qualifies as acceptable identification can be found at www.scotiabank.com and in the
brochure entitled "Day-to-Day Banking: Opening a Personal Account or Cashing a Federal
Government Cheque at Scotiabank, Cheque Holding Policy" which is available at all
Scotiabank branches.
For minors under the age of 12 years, we ask that a parent or legal guardian open the
account for the minor and that the parent or legal guardian provide two pieces of original
acceptable identification to confirm his or her own identity. In addition, if in your capacity
as legal guardian for a minor, you ask us to open a personal deposit account for the minor,
you must provide us with a certified copy of the legal document verifying your legal
guardianship of the minor. Any minor, regardless of age, who is given signing authority on
an account, must present to us two pieces of original acceptable identification.
Collecting and recording your information
We will only ask you for information that we need for the purposes set out in the
Scotiabank Group Privacy Agreement, which can be found in this booklet.
In addition to confirming your identity, we also collect certain mandatory information
about you such as your full name, home address (if any), date of birth and occupation
or type of business (if any).
When opening an account, we may have to ask you some additional questions to comply
with government regulations. We will collect and record all pertinent information
regarding you, including beneficial owners, intermediaries and other interested
parties and will establish the purpose and intended nature of each relationship. Where
3 Thank you for Opening A Personal Deposit Account

applicable, we will record the type, volume and frequency of expected account activity
and we will make enquiries into the source of incoming funds or assets.
We will ask you questions to determine whether your account will be used by or for the
benefit of a third party. If so, particulars of the third party and their relationship with
you will be obtained and recorded prior to establishing the relationship.
We can refuse your request to open a personal deposit account for certain legal reasons
but, if we do, well inform you about this in writing.
Verifying Your Information
We will take reasonable and appropriate measures to verify the key information
provided by you with reliable independent sources. We will refuse to enter into or
continue relationships or conduct transactions with any person that insists on
anonymity or provides false, inconsistent or conflicting information where the
inconsistency or conflict cannot be resolved after reasonable inquiry.
Monitoring and updating your information
As set out in the Scotiabank Group Privacy Agreement, we may monitor your account
to meet our legal and regulatory obligations. We will keep information regarding you
and your financial activities as accurate, complete and up-to-date as necessary to fulfill
the purpose for which it was collected. When changes in your financial behaviour
become apparent, we will take steps to determine the underlying reasons.
If any personal information changes or becomes inaccurate or out of date, you are
required to advise us so we can update our records.
Deposit Insurance
The Bank of Nova Scotia is a member of Canada Deposit Insurance Corporation
(CDIC). CDIC insures eligible deposits you make with its members subject to
maximum coverage limitations. For more information on deposit insurance refer to the
CDIC brochure Protecting Your Deposits or call CDIC at 1-800-461-2342 or visit the
CDIC website at www.cdic.ca. The Protecting Your Deposits brochures are available
at your local Scotiabank branch.
The Bank of Nova Scotia maintains a Deposit Product List of the eligible deposits it
offers. You can review and obtain the Scotiabank Group Deposit Product List on the
Scotiabank website at www.scotiabank.com or at your Scotiabank branch.
Current Interest Rates:
For information on current interest rates visit www.scotiabank.com or contact us at
1-800-4SCOTIA (1-800-472-6842).
Thank you for Opening A Personal Deposit Account 4
Transferring Your Account to

Scotiabank
The Scotia Simple Switch program
Are you still paying service fees for multiple bank accounts at different institutions? If
youve considered consolidating your bank accounts to save on fees and simplify your
banking, but felt it was too much trouble, we have just what you need!
The Scotia Simple Switch program is a free service, designed to take away the hassle
of switching your account(s) to Scotiabank. In fact, once you provide us with a few
details, well do all the work to make your transition to Scotiabank simple.
When you request the Scotia Simple Switch program, well:
Contact you by phone, at a time that is convenient for you, to gather all of your
pre-authorized transaction information;
Notify all of the companies that you have authorized to automatically debit or
credit your account at your current financial institution(s) to inform them of
the change in your banking information;
Send you a detailed payment change schedule so that you know what to expect
and can manage your cash flow effectively during the transition to Scotiabank;
Provide you with a pre-filled payroll change form so that you can have your
employer switch your payroll deposits to your new Scotiabank account;
Close your accounts at the other financial institution.
Talk to a representative at your branch to take advantage of our Scotia Simple Switch
program today.
5 Transferring Your Account to Scotiabank
Account Selector Tool

Finding the right account is easy. Just start here.
All you have to do is complete the following steps:
SPECIAL FEATURE PLANS
Account Option
Are you under age 19?
Getting There Savings Program for Youth: page 14 & 16
Are you a full-time student?
Student Banking Advantage Plan: page 14 & 16
Are you age 60 or older?
See Seniors Discount: page 15
If you answered yes to any of the above questions, you may be eligible for the respective discounted
banking account option listed beside each question. If not, please complete the sections below.
CHEQUING ACCOUNTS
Every month I use my chequing account to make:
Transaction Type
Transactions Per Month
ABM cash withdrawals

Debit card purchases
Online bill payments
Other self-service debit transactions
Teller-assisted transactions
Total transactions I make each month
If your transaction total exceeds 25, and 9 or more of these transactions are teller-assisted please
refer to the Scotia One Account on page 11 & 13.
If your transaction total exceeds 25, and 8 or less of these transactions are teller-assisted, please
refer to the Scotia Moneyback Account on page 11 & 13.
If your transaction total is 13-25, please refer to the Scotia Basic Banking Plan on page 11 & 13.
If your transaction total is 1-12, please refer to the Basic Banking Account on page 11 & 13.
SAVINGS ACCOUNT
Account
Account Type/Details
Reference Page
Scotia Power Savings Account
High Interest on balances

greater than $5,000
Page 17 & 20
Money Master Savings Account
Competitive interest on every

dollar saved
Page 17 & 20
Account
Account Type/Details
Reference Page
Scotia U.S. Dollar Daily

Interest Account
Foreign Currency
Page 18 & 20
Scotia Euro Daily Interest Savings

Account
Foreign Currency
Page 19 & 20
FOREIGN CURRENCY ACCOUNTS
Account Selector Tool 6
General Information about

Personal Accounts
Personal deposit accounts belong to the owner or owners of the account. They may not
be used for business and they cannot be transferred to anyone else. We reserve the right
to prevent use of your account without notifying you in advance if we suspect illegal,
unauthorized or fraudulent use of the account, including transactions relating to
internet gambling.
When you open an account at Scotiabank, you can depend on us to maintain the
confidentiality of your information, subject to the terms and conditions of the
Scotiabank Group Privacy Agreement set out in this booklet.
The Ownership, Survivorship Rights and Signing Arrangements section of the Deposit
Account Agreement in this booklet details the roles and responsibilities of an account
holder.
We offer a variety of accounts and plans which package banking services for you. Some
of these accounts have eligibility requirements. For example, our Getting There Savings
Program for Youth account is only available to people under 19 years of age. Our
Seniors' Discount is available to customers 60 years of age or older. When you request
a service that has an eligibility requirement, you must meet that requirement.
We have 4 categories of accounts and plans:
Savings Accounts
You can count on Scotiabank service, no matter how you need to access your account:
You can visit any of our branches
Use ABMs (Scotiabanks Automated Banking Machines or those of any other
financial institution displaying the Interac symbol or the VISA/PLUS symbol abroad)
Make direct payment purchases from your account
Set up pre-authorized payments
Conduct transactions over the telephone or internet, or
Issue instructions to us in writing
A few notes about processing your transactions

Scotiabanks Cheque Hold Policy on cheque deposits made to a
personal deposit account
Scotiabanks cheque hold policy is based on Canadian Payments Association (CPA)
7 General Information about Personal Accounts

Rules and the Bank Act Regulations. For purposes of this policy, cheque includes
negotiable items such as cheques, certified cheques, bank drafts and money orders.
When you deposit a cheque into your personal deposit account through a Scotiabank
branch or ABM, you may not always be able to access or cash the funds right away. We
may place a hold on funds until the cheque is cleared at the financial institution on
which the cheque is drawn. In some instances, the cheque may be returned as invalid
or otherwise after the hold period has expired. Ultimately, you are responsible to us for
any cheque that you deposit that is returned to us, regardless of whether any hold period
has expired.
If you deposit a cheque which is encoded with magnetic ink character recognition and
not damaged or mutilated, the maximum hold period that we will place on that cheque
is as follows:
Cheques drawn on a financial institutions branch located in Canada
- Canadian dollar cheques, maximum hold period of 4 business days after the day of
deposit. If you choose to deposit in person at a Scotiabank branch, you may
withdraw immediately or have available for use later:
(a) the entire amount of each cheque deposited that is less than $100;
(b) the first $100 of each cheque deposited that is greater than $100.
- U.S. dollar cheques, maximum hold period of 9 business days after the day of
deposit.
Cheques drawn on a financial institutions branch located in the United States,
maximum hold period of 19 business days after the day of deposit.
Cheques drawn on a financial institutions branch located outside of Canada or the
United States, maximum hold period of 29 business days after the day of deposit.
For these purposes, the term business day refers to regular weekdays only and
excludes Saturdays, Sundays or statutory federal holidays.
We may extend the maximum hold period if we have reasonable grounds to believe there
may be illegal or fraudulent activity in relation to an account.
"Cash-back limit" may be set-up on your ScotiaCard which allows you to withdraw funds
up to a pre-authorized limit against your deposit, immediately or at a later time.
The length of time you have dealt with the Scotiabank branch, the amount of funds
already in your account, and the amount and characteristics of the cheque being
deposited may all influence whether the funds will be held.
Some cheques may be sent on collection, meaning that the funds will be credited to
your account only if and when the cheque clears the other financial institution and
the funds have been received by Scotiabank.
Consider the benefits of Direct Deposit

You can arrange for electronic direct deposit of most employer pay-cheques and
General Information about Personal Accounts 8
government payments. That way, the funds go directly into your account, and access to
the funds is available immediately on the day of deposit. Authorizing a Direct Deposit
will ensure timely receipt and access to funds in the event of postal strike delays.
Cheques you deposit may be returned

Canadian and U. S. federal laws allow member institutions to remove an original paper
cheque from the cheque payment system, capture its image electronically and destroy
the original item. As a result, if you negotiate a cheque that is processed through the
cheque payment system and it is subsequently returned, you might receive a paper
reproduction of the cheque, an image printout, instead of the original paper cheque.
The paper reproduction is the legal equivalent of the original cheque.
The reasons a cheque you deposit may be returned by another financial institution
include the following:
NSF: Non-sufficient funds means there is not enough money in the account on which the
cheque is drawn.
Payment Stopped: The owner of the account has requested the cheque not be paid.
Postdated: The date on the cheque is in the future.
Stale Dated: The date on the cheque is 6 months or older.
Account Closed: The account the money is coming from is closed.
Funds Not Cleared: A hold has been placed on funds in the account on which the
cheque is drawn on.
Materially Altered Cheque: The owner of the account says the cheque has been altered
without authorization.
Counterfeit Cheque: The owner of the account denies issuing the cheque.
Irregular Signature: The signature on the face of the cheque does not match the usual
signature of the person that it purports to be.
Forged Signature: The signature on the face of the cheque is not the signature of the
person that it purports to be.
Words and Figures Differ: The written and numerical amounts on the cheque dont match.
Foreign exchange
If you deposit a cheque that was drawn in a foreign currency and the cheque is returned to
us, you will be responsible to repay to us the Canadian dollar equivalent of that cheque at
the time that it is returned to us. We are not responsible for any increase or reduction in
the value of the cheque due to changes in foreign currency exchange rates.
Electronic Funds Transfer (EFTs) and Telephone Funds Transfers (TFTs)

We reserve the right, in our sole discretion, to investigate an EFT or TFT in any
circumstance in which we consider it reasonable to do so including, without
limitation, in the following circumstances:
To meet our legal and regulatory requirements;
To manage and assess our risks; and
9 General Information about Personal Accounts

To prevent actual or potential loss in connection with illegal activity.
An account credit for funds received by EFT or TFT may be delayed or refused as a
result of us exercising our above described rights of investigation.
Processing your pre-authorized payments

A pre-authorized payment (also called a pre-authorized debit) is a withdrawal from your
account made by a company that has your written authority to do so. They are a convenient
substitute for postdated cheques when you have to pay the same bill every week or month.
You must sign an authorization for the company you are paying. The form should specify the
amount, frequency and account number from which the funds are to be withdrawn.
For payments that vary in amount with each bill, the company must provide you with
notice of the amount to be debited at least ten days before payment is due. It is your
responsibility to maintain sufficient funds in your account to cover the payment. If the
company asks you to provide a blank cheque with the authorization form, do so, but:
Do NOT sign the cheque
Write VOID across the face of the cheque
Record the VOID cheque in your banking records
Keep a copy of the authorization you signed and check to see if it includes the
procedures to cancel the payment agreement or to correct an improper withdrawal.
If it doesnt, ask the company for the procedures.
Scotiabank does not verify a pre-authorized payment, we treat the request as though
you authorized it.
Issuing a stop payment on a cheque

When you ask us to stop payment on a cheque you have issued and we act on your
request, you agree to pay any costs and expenses incurred to do so. Naturally if the
cheque has already been negotiated before we receive your request, we are not liable
for stopping payment.
General Information about Personal Accounts 10

Basic Banking Account
If you dont do too many transactions this low-cost bank account is designed for you.
Note: For additional information on services and charges relating to this account, please refer to the Chart on page
13 and the Other Banking Services and Fees section listed in this booklet.
Basic Banking Plan

If you use your account frequently, this account provides excellent value for you.
Note: For additional information on services and charges relating to this account, please refer to the Chart on
page 13 and the Other Banking Services and Fees section listed in this booklet.
Scotia One Account

This account offers an unlimited number of transactions for one low monthly fee.
Scotia Moneyback Account

Money Back
Earning Money Back on your Scotia Moneyback Account
The Scotia Moneyback account allows you to earn while you spend, by providing a
cash reward of 1% (Money Back) on the first $30,000 of Qualified Purchases
(defined below) that are made each year using your ScotiaCard banking card.
For example, you would earn $8.50 Money Back from a Qualified Purchase that totaled
$850 (including applicable taxes). For each Qualified Purchase, the Money Back
amount will be rounded to the nearest cent1.
For joint Scotia Moneyback account holders who each have a separate ScotiaCard
linked to the same Scotia Moneyback account, all Qualified Purchases made on each
ScotiaCard will count towards the annual $30,000 maximum.
Payment of Money Back Earned
Money Back earned during the period from November 1st to the following October 31st
of each year will be paid as a credit to your Scotia Moneyback account, on the last
business day of the following November. You will be eligible to earn Money Back
beginning on the date that your Scotia Moneyback account is first opened.
You will not be eligible to receive any Money Back if you have switched to a different
account, or if your Scotia Moneyback account is frozen by us, or closed on the date
that your annual Money Back amount would otherwise have been awarded.
11 Day-to-Day Banking Accounts

Qualified Purchases
Money Back will be calculated and awarded only for the following debit purchases
made from your Scotia Moneyback account, using your ScotiaCard banking card
(each, a Qualified Purchase):
Interac Debit - Debit point of sale transactions made from your Scotia Moneyback
account.
Interac Flash - Debit point of sale transactions made from your Scotia Moneyback
account.
Interac Online purchases
Cross Border Debit purchases - The Cross Border Debit transaction fee of $1.00 per
transaction will not be eligible to earn Money Back.
Amounts Excluded from Money Back Calculations
Pre-authorized debits that are set-up on your Scotia Moneyback account, the Scotia
Moneyback account fee, and all other service fees/transaction charges do not qualify
to earn Money Back.
If you are enrolled in the Scotiabank Bank The Rest savings program, debit
purchases made from your Scotia Moneyback account with your ScotiaCard will
count towards the daily round-up totals but these round-up amounts will not be
eligible to earn Money Back.
Purchase Refunds
In the event you receive a refund for any purchase for which Money Back was
previously earned, the amount of Money Back that will be deducted from your
accumulated Money Back total is based on the refund amount and the Moneyback
percentage on the day the refund is processed.
Verifying your Money Back Amounts
You must promptly review any paperless or paper statements we provide to you, that
set out your Qualified Purchases. If you believe there are any errors or omissions in
those statements with respect to the calculation of Money Back earned, you must tell
us in writing within three months after the date of the Qualified Purchase for which
you believe an error or omission was made.
SCENE ScotiaCard Banking Card
SCENE points will not be awarded for any transaction made from your Scotia
Moneyback account, even if made with a SCENE ScotiaCard.
Interest
No interest is paid on this account
1
On a Qualified Purchase of $2.50, the 1% Money Back amount of $0.025 will be rounded to $0.03. Similarly, for a
Qualified Purchase of $2.34, the 1% Money Back amount of $0.0234 will be rounded to $0.02.
Day-to-Day Banking Accounts 12
Day-to-Day Banking
Accounts At a Glance
Unlimited Transactions
Medium
Any Type Self-Service with 1% Transaction
Account
Money Back
Scotia OneTM
Account
Scotia MoneybackTM
Account
(page 11)
Basic
Banking Plan
Low
Transaction
Account
Basic Banking
Account
Core Account Features & Fees

Monthly Account Fee
$11.95
$14.95
$8.95
$3.95
Seniors Discount (credit to Monthly

Account Fee)
($4.00)
($4.00)
($4.00)
($3.95)
Monthly account fee waiver with

minimum daily closing balance
maintained for the entire month
$3,000
Not applicable
$2,000
Not applicable
Unlimited
Unlimited selfservice transactions and

1 free teller-assisted
25
12
(incl. 4
teller-assisted)
Charge for each additional debit

transaction (any type unless
specified) over the monthly limit
Not applicable
$1.50/teller
assisted transaction
$1.00
$1.00
1% Money Back
Not applicable
Included
Not applicable
Not applicable
No. of debit transactions (any type,

unless specified) included in the
monthly fee
Monthly Recordkeeping
Options & Fees
Paperless
Free
Free
Free
Free
Paper Statement
$1.00
$1.00
$1.00
Free
Paper Statement with

Cheque Image Return
$2.00
$2.00
$2.00
$2.00
Passbook
$2.00
Not Available
$2.00
$2.00
$2.00
Not applicable
$2.00
$2.00
View each electronic image

of cleared cheque (free with
Paperless recordkeeping option)
$1.50
$1.50
$1.50
$1.50
Each bill payment history

or mini statement at ABM
$0.75
$0.75
$0.75
$0.75
Bank The Rest Program
Free
Free
Free
Free
Scene Loyalty Rewards Program
Free
Free
Access fee for each withdrawal

at non-Scotiabank ABM (Interac)
$1.50
Not Available
$1.50
(2 free per month)
Free
$1.50
$1.50

at VISA* or PLUS* System
(within Canada & U.S)
$3.00
$3.00
$3.00
$3.00

(outside Canada & U.S)
$5.00
$5.00
$5.00
$5.00
$1.50
Recordkeeping Related
Services & Fees
Each Passbook Statement
(automatically generated after
50 transactions have been processed
without a passbook update)
Other Banking
Services/features & Fees**
Each assisted telephone transaction
$1.50
$1.50
$1.50
Scotia InfoAlerts
Free
Free
Free
Free
Each Interac e-Transfer
$1.00
$1.00
$1.00
$1.00
Each Cross Border Debit
$1.00
$1.00
$1.00
$1.00
Overdraft Protection fee for each

month the account is overdrawn
(subject to approval)
$5.00
$5.00
$5.00
$5.00
** In addition to the account debit transaction fee, where applicable.

For additional information, please refer to the Other Banking Services and Fees section in this booklet.
13 Day-to-Day Banking Accounts

Getting There Savings Program for Youth
The Getting There Savings Program account is available to customers under 19 years
of age. It is an excellent way for minors to learn the basics of good money management
by saving each month.
Funds in the account belong to the minor account holder.
If a parent(s)/guardian(s) opens the account, the signing authority for the parent(s)/
guardian(s) will continue indefinitely until the parent(s)/guardian(s) (at any time)
or the minor (after the minors 16th birthday) make arrangements in writing to
cancel the parents/guardians signing authority. The minor may request signing
authority, without the parent(s)/guardian(s) consent, when he/she turns 16 years of
age. For account(s) opened before December 31, 2004, the parent(s) or guardian(s)
must be present to transfer signing authority.
When the account holder turns 19 years of age, the account will automatically be
converted to an account that is suitable based on the account holder's recent
transaction behavior. Account holders are reminded by mail prior to conversion and
have the option to change their account type.
Interest
The interest rate varies based on the balance in your account. Interest is paid on the
portion of the daily closing balance within the specific tier and paid monthly.
We may alter the Getting There Savings Program for Youth services and features at
any time.
Student Banking Advantage Plan

If youre attending a university, community college, or another recognized postsecondary school in Canada, you can take advantage of this plan. This plan is available
only for full-time students registered in a course for credit.
To take advantage of the Student Banking Advantage Plan account benefits, you will
need to provide your branch with proof that you are enrolled full-time at a qualifying
post-secondary institution each academic year prior to November 30th. When you are no
longer enrolled full-time or you have not presented proof of enrolment, the plan will be
removed and the account will automatically be converted to an account that is suitable
to you based on your recent transaction behavior. You will be reminded by mail (each
October, if necessary) to provide your proof of enrollment and will be advised of the
pending change to your account type.
When its time to buy a car, graduating students may be eligible for Scotiabanks
special Grad Auto Loan Program (subject to approval).
Special Feature Plans 14
A Learn VISA* card for students with a credit limit of $500 to $2,000 and no annual
fee (subject to credit approval).
A SCENE VISA* card with a credit limit of $500 to $2,000 and no annual fee (subject
to credit approval).
Registered Trademark of SCENE IP LP, used under license.
Interest
No interest is paid on this account.
We may alter the Student Banking Advantage Plan benefits and services we offer at
any time.
Seniors Discount
Customers aged 60 or older automatically receive a discount of up to $4.00 off the
applicable Monthly Account Fee.
The following accounts are eligible for the Seniors Discount:
Account
Seniors Discount Amount
Basic Banking Account
$3.95
Basic Banking Plan
$4.00
Scotia One Account
$4.00
Scotia Moneyback Account
$4.00
US Daily Interest Savings Account
$1.00 U.S.
EURO Daily Interest Savings Account
1.00
Powerchequing Account (no longer offered for sale)
$3.95
Scotia Value Account (no longer offered for sale)
$4.00
Scotia One Service (no longer offered for sale)
$4.00
The Seniors Discount amount is credited to each eligible account on the same day that
Monthly Account Fees are collected.
The Seniors Discount can not be combined with any other discount or fee waiver; only
the largest of multiple discounts/waivers will apply.
We may alter the Seniors Discounts at any time.
Note: For additional information on services and charges relating to these
accounts, please refer to the Charts on pages 13 and 20 and the Other Banking
Services and Fees section listed in this booklet.
15 Special Feature Plans

At a Glance
Under Age 19
Fulltime Student
Getting There Student Savings

Program for Youth (page 14)
Student Banking Advantage

Plan (page 14)
Free
Free
Unlimited
Unlimited
Not applicable
Not applicable
Paperless
Free
Free
Paper Statement
Free
Free
Free
$2.00
Free
Free
$2.00
$2.00
Free
$1.50
$0.75
$0.75
Free
Free
Free
Free
$1.50
$1.50
$3.00
$3.00
$5.00
$5.00
$1.50
Free
$1.00
$1.00
$1.50
Free
$1.00
$1.00
Not Available
$5.00

Monthly Account Fee

monthly fee
Charge for each debit transaction (any
type, unless specified) over the monthly
limit
Options & Fees
Paper Statement with Cheque

Image Return
Passbook
Services & Fees
(automatically generated after 50
transactions have been processed
without a passbook update)
View each electronic image of cleared
cheque (free with Paperless
recordkeeping option)
Each bill payment history or mini
statement at ABM
Other Banking Services/features &
Fees**
Bank The Rest Program
Scene Loyalty Rewards Program
Access fee for each withdrawal at
non-Scotiabank ABM (Interac)
Access fee for each withdrawal at VISA*
or PLUS* System
Access fee for each withdrawal at VISA*
or PLUS* System
Scotia InfoAlerts
Overdraft Protection fee for each month
the account is overdrawn
1
No fees to transfer funds to your other Scotiabank accounts using Self-Service banking options.
** In addition to the account debit transaction fee, where applicable.
Special Feature Plans 16
Savings Accounts
Scotia Power Savings Account
The Scotia Power Savings Account is an online savings account that offers a high
interest rate if you plan to maintain a larger balance. Its the perfect account to save
for that down-payment for a new house, home renovations, or just for a rainy day. This
account is not available to non-residents and is not available for registered plans.
Interest
Amounts held in this account only earn interest if the daily closing principal balance
is $5,000 or more. For a daily closing principal balance of $5,000 or more, interest is
earned on the entire balance. Interest is calculated daily and paid monthly. Refer to
Current Rates on www.scotiabank.com
Other features
Cheques are available for purchase. Normal charges apply.
Eligible account for Bank-to-Bank transfers (Refer page 63 for details).
If this account has multiple account holders, the signing arrangement is deemed
to be any to sign and no other signing arrangement is available. Please refer to
the Deposit Account Agreement for important information about the any to sign
signing arrangement.
Money Master Savings Account

Earn competitive interest with an account thats simple and convenient. Interest is paid
from the first dollar saved and applied to the full balance. No monthly fee and no fees to
transfer funds to your other Scotiabank accounts using Scotia OnLine, TeleScotia
telephone banking, Scotiabank Mobile Banking and Automated Banking Machines
(ABMs). This account is ideal as a companion to your day-to-day bank account.
Interest
Interest is calculated daily on your account closing balance and paid monthly. The
annual interest rate used to calculate interest varies based on the balance in your
account. The interest rate for a tier is applied to the entire daily closing balance.
Refer to Current Rates on www.scotiabank.com
Other features
Chequing privileges are not available.
Eligible account for Bank-to-Bank transfer. (Refer page 63 for details)
Eligible account to transfer the saving from the Bank the Rest savings program.
(Refer page 64 for details)
17 Savings Accounts

If this account has multiple account holders, the signing arrangement is deemed
to be any to sign and no other signing arrangement is available. Please refer to
the Deposit Account Agreement for important information about the any to sign
signing arrangement.

Scotia U.S. Dollar Daily Interest Account
If you travel frequently to the United States, or make and receive payments in U.S.
dollars, a U.S. Dollar account is convenient and can save you money by avoiding
foreign exchange costs.
Interest
The interest rate varies based on the balance in your account. Interest is paid on the
portion of the daily closing balance within the specific tier. It is calculated daily and
paid monthly.
No-charge services & features
U.S.$ money orders and drafts
Commission-free regular American Express U.S.$ Travellers Cheques
The following electronic banking services are available for this account:
Scotiabank ABM: Balance inquiry.
Scotia OnLine: Transfers to Scotiabank, SMI and iTRADE accounts; transaction
listing, balance inquiry.
TeleScotia: USD and CAD transfers to other Scotiabank accounts, balance inquiry.
U.S. coin is not accepted for deposit or foreign exchange. U.S. cash is subject to availability.
All service fees referenced in this brochure in connection with this account are payable
in U.S. dollars when applied to services on the U.S. Dollar Daily Interest Account.
If a cheque drawn on this account is negotiated at a financial institution outside Canada,
that institution may charge a fee which will be deducted from the account.
A deposit to this account does not constitute a deposit that is insured under the
Canada Deposit Insurance Corporation (CDIC) Act.
Foreign Currency Accounts 18
Scotia Euro Daily Interest Savings Account

At this time, a Scotia Euro account is only accessible from your branch of account. Only
teller-assisted deposit and withdrawal transactions conducted at your branch of
account are allowed for this account (a Permitted Transaction). ABM, telephone and
Internet banking services, direct payment transactions, bill payments, cheque-writing
privileges, overdraft protection and any other service or transaction that is not a
Permitted Transaction are not allowed on this account.
A deposit to this account does not constitute a deposit that is insured under the
Canada Deposit Insurance Corporation (CDIC) Act.
Euro coin is not accepted for deposit or foreign exchange.
Interest
The interest rate varies based on the balance in your account. The various annual
interest rate1 tiers are as indicated in the table below. The interest rate for a tier is
applied to the portion of the total daily closing balance that falls within the specific
interest rate tier. Interest is calculated daily and paid monthly.
Service fees
All service fees referenced in this booklet will be converted to and are payable in
Euros when posted to your Scotia Euro Daily Interest Savings Account.
Recordkeeping options
Passbook - No Charge
The passbook can only be updated at your branch.
19 Foreign Currency Accounts

Savings Accounts
At a Glance

Monthly Account Fee
Seniors Discount (credit to Monthly
Account Fee)
Monthly account fee waiver with
minimum daily closing balance
maintained for the entire month
monthly fee
Charge for each debit transaction (any type,
unless specified) over the monthly limit
Eligible deposit for Canada Deposit

Insurance Corporation (CDIC)
coverage
Options & Fees
Paperless
Paper Statement
Paper Statement with
Cheque Image Return
Passbook
Services & Fees
(automatically generated after 50
transactions have been processed
processed without a passbook update)
View each electronic image
of cleared cheque (free with
Paperless recordkeeping option)
Each bill payment history
or mini statement at ABM
Other Banking
Services/features & Fees**
at non-Scotiabank ABM (Interac)
Scotia InfoAlerts
Overdraft Protection fee for each
month the account is overdrawn
High Interest
Savings Accounts
Foreign Currency Savings Accounts
Scotia
Power
Savings
AccountTM
Money
Master
Savings
Account
U.S. $ Daily
Interest
Account
(page 17)
(page 17)
(page 18)
Euro Daily
Interest
Savings
Account
(page 19)
Free
Not applicable
$1.00 U.S.
($1.00 U.S.)
1.00
(1.00)
Not applicable
Not applicable
$200.00 U.S.
200.00
Unlimited
selfservice
transfers1
Unlimited
selfservice
transfers1
2
teller-assisted
$5.001
$5.001
$1.00 U.S.
1.00
Yes
Yes
No
No
Free
Not available
Free
$2.00
Not available
Free
Not available
Not available
Not available
Not available
Not available
Not available
$2.00 U.S.
Free
Not available
Free
Not applicable
Not applicable
$2.00
$2.00
Free
$1.50
Not available
Not available
$0.75
$0.75
Not available
Not available
$1.50
$1.50
Not available
Not available
$3.00
$3.00
Not available
Not available
$5.00
$5.00
Not available
Not available
$1.50
Free
$1.00
$1.00
$1.50
Free
$1.00
$1.00
Not available
Free
Not available
Not available
Not available
Not available
Not available
Not available
Not available
Not available
Not available
Not available
Free
Not applicable
No fees to transfer funds to your other Scotiabank accounts using Scotia Online, TeleScotia, Scotiabank Mobile Banking and Scotiabank ABM. For all
other debit transactions (branch or ABM withdrawals, direct payment purchases, bill payments and pre-authorized payments), a $5.00 per transaction fee
will apply. ** In addition to the account debit transaction fee, where applicable.
Foreign Currency Account 20
Other Banking Services and Fees

While our accounts and special feature plans include a variety of banking services in
the monthly fee, you may occasionally need other banking services. When the services
you need are not included in the account package, there is a fee for these services. We
dont want you to be surprised when you receive your statement, update your passbook
or come into one of our branches when you need any of these services so were listing
them here for you.
If you change your account in the middle of a month to an account with a different fee
structure, all the transactions in your account during that month (including those
that happened before the change) will be subject to the fees charged to the account
type you have at the end of that month.
The fees applicable to U.S. dollar accounts or Euro accounts are in U.S. dollars or Euro
currency, respectively. Internal Branch debit transactions (e.g., Scotiabank mortgage,
SPL payments, Safety Deposit Box payment) and Scotiabank investment purchases
(e.g., GICs, mutual funds) are processed free of charge.
Cheque and Payment Processing Service Fees
Scotiabank Cheque Certification
- If requested by issuer
$10.00
- If requested by non-issuer who is a Scotiabank customer
$15.00
Stop payment of cheque or pre-authorized debit

- If details are complete
$12.50
- If details are incomplete
$20.00
For each cheque in a foreign currency drawn on

a Canadian Dollar account where the
Canadian equivalent of the cheque amount is
under $1,000
$10.00
$1,000 and over
$15.00
Cheque processed on your account where

your account and bank identification
numbers are not fully MICR-encoded
21 Other Banking Services and Fees
$5.00

Cheque or other debit item drawn against your
account that is returned as Non-sufficient funds
(NSF) in your account:
$42.50
Each cheque or pre-authorized debit

deposited and subsequently returned
(for third party items
deposited to your account)
no charge
Teller-handled bill payment

(not applicable for payments to the Canada Revenue Agency (CRA) or Federal Government)
Processed through a Scotiabank account
no charge
(debit
transaction
fee applies)
Paid in cash or by cheque drawn on another Financial

Institution
$3.00
Processing postdated deposit
$2.00 per deposit
Processing mailed-in deposit
$2.00 per deposit
Personalized Cheques
Prices for personalized cheques on accounts that offer chequing services vary
depending upon the style and quantity. Details are available at your branch. Please note
that cheques are subject to applicable taxes.
Fees for Other Recordkeeping and Searches
If you need help updating your personal banking records in addition to passbook and
statement services, we provide the following services:
Service fees
Balance inquiry
No charge
Passbook update at selected Scotiabank ABMs
No charge
Each in-branch record of activity in your account since

last statement/passbook update
$1.00
Other Banking Services and Fees 22
Letter(s) or forms(s) prepared at customer's request
$30.00 per hour

($15.00 minimum
plus applicable taxes)
Each copy of account statement you request
$5.00
Each Paper Statement mailed to branch for pick-up
$5.00
Each advice of transaction sent by mail or fax
$5.00
If you ask us to retrieve an image (front and back) of a cheque cleared through your
account, the cheque image retrieval fees are as follows:
- If your request is within 90 days from the date the cheque
was posted to your account
- If your request is after 90 days from the date the cheque

was posted to your account
$3.00 per
cheque image
$5.00 per
cheque image
If you ask us to search our records for any transaction or item not listed above or if we
are required to respond to a legal search warrant by a third party about your
transactions, the fees are as follows:
- If the request is no more than 90 days from the date
of the transaction
- If the request is after 90 days from the date
of the transaction
$10.00 per item

$30.00 per hour per
employee (minimum
$15 charge)
Transfers
Each automatic pre-arranged transfer of funds
between your Scotiabank personal Canadian Dollar
deposit accounts (debit transaction fee applies)
free
Each manually processed pre-arranged

transfer of funds between your Scotiabank
personal deposit accounts
(debit transaction fee applies)
$1.50
Each transfer by branch staff between your

Scotiabank personal deposit accounts due to
telephone/fax/mail request, or to cover cheques
(debit transaction fee applies)
$4.50

Optional advice
$5.00
Transferring a Scotiabank account

balance to another financial institution
$20.00
Stop transfer more than 24 hours after sending
$5.00
Overdraft Protection
If you want the peace of mind of knowing your payments are covered when you have a
temporary cash shortfall, then you should consider applying for Overdraft Protection. It is
available on all bank accounts except Getting There Savings Program for Youth, Scotia
U.S. Dollar Daily Interest Account, Scotia Euro Daily Interest Savings Account, Scotia
Power Savings Account and the Money Master Savings Account. The Overdraft Protection
Agreement is provided on page 59 of this booklet. The service fees are listed here.
Service fees & interest
No monthly fee if the account does not go into overdraft
A $5.00 Overdraft Protection fee applies each month in which your account is
overdrawn a day or more. This fee is waived if the Overdraft Protection is approved
under the Scotia Total Equity Plan.
Interest payable on overdrawn balances is calculated daily on the daily closing
overdrawn balance at 19% per annum, charged monthly
A $5.00 handling fee applies for each item paid while your account is overdrawn
more than the pre-authorized limit
Effective Date
The Overdraft Protection will be available for use, effective the approval date. If the
Overdraft Protection is approved under the Scotia Total Equity Plan, then it will be
available from the funding date of the Plan.
Repaying your Overdraft Protection
You must bring accounts in overdraft to a positive balance at least once every 30 days.
Overdrafts granted in absence of Overdraft Protection

(Ad-hoc coverage of Overdraft)
From time to time, at our sole discretion, we may allow your account to be overdrawn
even though you do not have Overdraft Protection (Ad-hoc coverage of Overdraft). We
may use and collect from credit bureaus credit information about you in order to decide
whether to grant you an Ad-hoc overdraft. Any Ad-hoc overdraft balance is payable in
full immediately.
Interest
Interest is calculated daily on the daily closing Ad-hoc overdraft balance at 21% per
annum and charged monthly.
Service fees
In addition to normal transaction fees, a $5.00 handling fee applies for each item which
places your account in an Ad-hoc overdraft position and for each additional item that is
paid while an Ad-hoc overdraft balance is outstanding.
Inactive Accounts
Inactive Account Notices will be mailed to you after two, five and nine years of inactivity.
Following are the Inactive Account Fees charged after each applicable period of
inactivity:
After 2 year notice of inactivity (excluding Money Master and
Scotia Power Savings Account)
$20.00
After 3 years of inactivity
$20.00
$20.00
After 5 year notice of inactivity
$30.00
$30.00
$30.00
$30.00
After 9 year notice of transfer

to the Bank of Canada
$40.00
(Notice of transfer to the Bank of Canada after 9 years of inactivity
does not apply to U.S. dollar and Euro currency deposits)
Account Closing
Account closed within 90 days of opening 1
$20.00
1 Customers who open an account by phone have 14 business days in which to close the account without incurring
this fee
Self-Service Banking Options

Online banking, mobile banking, Scotiabank ABMs and telephone banking offer you the
convenience of paying bills, checking your balance and transferring funds to other
Scotiabank accounts anytime you choose.
These options can help you cut down on your banking fees. Linking your accounts to
your ScotiaCard banking card can make these fee-saving options available to you.
Simply visit your branch to obtain your ScotiaCard banking card - and then start taking
advantage of these easy ways to cut your fees down to size.
Scotia OnLine Financial Services
Banking online with Scotia OnLine Financial Services gives you control of your money
so you can bank on your time, conveniently and securely. All you need is your
ScotiaCard banking card and a password to connect with your accounts from anywhere
you have Internet access.
Scotia OnLine Financial Services allows you to:

View up to 18 months of account history for deposit accounts that have a paperless
recordkeeping option selected. For deposit accounts that have any other type of
recordkeeping option selected, you can view up to 3 months of account history.
View electronic images of cheques cleared through your deposit account within the
last 90 days (subject to availability).
For deposit accounts with the paperless recordkeeping option, this feature is
available at no additional charge. For deposit accounts with any other type of
recordkeeping option, a $1.50 fee will be charged for each cheque viewed and will be
deducted from the applicable deposit account at the time of request.
Using your Canadian dollar accounts make bill payments and view bills (Companies
in Canada).
Transfer funds between Scotiabank accounts.
Purchase Scotia GICs and Scotia mutual funds.
Apply for a mortgage and make mortgage prepayments.
Apply for a Scotiabank credit card, line of credit, or limit increase
Set up account alerts and register for mobile banking.
Download account information into your personal financial management software
such as Quicken, QuickBooks, Microsoft Money**, and Simply Accounting***
Service fees
No monthly access fee
No fee for transactions covered in monthly account fee
Each additional debit transaction not covered by the monthly fee is charged as
specified in the individual account plan
To register for Scotia OnLine, visit www.scotiaonline.scotiabank.com
Online banking capability requires a personal computer, modem and Internet access. Excludes any fees
charged by your Internet service provider.
Quicken, QuickBooks ,are registered trademarks of Intuit Inc.
** Microsoft Money is a registered trademark of Microsoft Corporation.
*** Simply Accounting is registered trademark of Sage Software Canada.
Scotiabank Mobile Banking

Bank conveniently and securely anytime, anywhere with Scotiabank mobile banking.
We offer mobile apps and browser banking so you can access your accounts in the
manner that suits you best. All you need is your ScotiaCard banking card and Scotia
OnLine password. Visit scotiabank.com/mobilebanking to view our demo videos.

App banking
Visit Apples App Store1 or Google Play and search for Scotiabank to download our
apps.
Day-to-day personal and small business CAD/USD accounts, credit card accounts and
ScotiaLine personal line of credit accounts:
Check account balances, details, and transaction history for the current statement
period and up to 18 months prior.
Make bill payments and add/edit payees.
Send and receive Interac e-Transfers, or add/edit recipients.
Send Western Union* Money Transfers.
Transfer money between your Scotiabank accounts.
Other accounts and services:
View the current balance of your mortgages and brokerage accounts.
View your investment account details.
Find the Scotiabank branches and ABMs closest to you, or elsewhere in Canada.
Register for InfoAlerts Security alerts.
Browser banking
Browser banking offers the same functionality as Scotiabank's mobile banking apps.
Simply go to scotiabank.com on your smartphone and select Mobile Banking Login.
Service fees
No monthly access fee from Scotiabank.
Standard wireless carrier charges apply. We recommend that you have a text
messaging and/or data plan. Check with your carrier to see what works best for you.
Mobile banking capability requires an Internet-enabled mobile device. Your wireless carriers standard text
messaging and data charges apply, as defined by your service plan with your carrier.
1 Trademarks of Apple Inc., registered in the U.S. and other countries.
TM Android is a trademark of Google Inc. Use of this trademark is subject to Google Permissions.
* The WESTERN UNION name is owned by Western Union Holdings, Inc., and is registered and/or used in the
U.S. and many foreign countries and are used with permission. Scotiabank is an authorized agent facilitating
Western Union Money Transfer Services. Western Union Money Transfer fees vary based on amount sent and
destination.
Scotia InfoAlerts
Get account notifications by text message, email, or both with Scotia InfoAlerts. Be
notified about account-related activities like balances, transactions, limits and more.
Choose from over 15 different alert types.
To learn more on how to register visit www.scotiabank.com/infoalerts
Service fees
Scotiabank offers InfoAlerts at no charge. Your wireless carriers standard text
messaging fees apply.
Scotiabank Automated Banking Machines (ABMs)

Whether youre running around town or around the world, your ScotiaCard banking
card is the key to convenient access to your money. There are nearly 3,500 Scotiabank
ABMs located across Canada, including at 7-Eleven, Shell, Quickie convenience stores,
Cineplex Theatres, and offsite merchants**.
Scotiabank ABMs allow you to:
Withdraw cash
Make deposits (in Canadian currency)
Check account balances (Canadian and U.S. dollar accounts)
Pay bills from a list of over 7,800 companies
Transfer funds between linked accounts
Change your PIN
Obtain a payment history of the last 10 bills paid - a service fee of 75 applies for
each payment history
Print a mini-statement - a service fee of 75 applies for each mini-statement
Reorder cheques
Check Scotiabank mortgage balance and payment information
Multilingual Options
At Scotiabank ABMs, the choice is yours. In addition to English and French, we now
offer simplified and traditional Chinese and Spanish at our Scotiabank Branch ABM
locations.
Cashback feature
No holds on cheques deposited at Scotiabank ABMs, up to a pre-authorized limit.
No additional charge to you and must be set up on your ScotiaCard banking card at
a branch or by calling 1-800-4SCOTIA (1-800-472-6842).
Global ATM Alliance Fee Waiver2
Scotiabank is a member bank of the Global ATM Alliance. ScotiaCard banking card and
Scotiabank VISA* customers travelling outside Canada can withdraw cash from ATMs

belonging to member banks of the Global ATM Alliance without being charged any access fees.
At the time of publication, member banks include Bank of America in the United States,
BNP Paribas in France, Barclays in the United Kingdom, Deutsche Bank in Germany, and
Westpac in Australia. Countries and member banks are subject to change without notice.
Please check www.scotiabank.com for an up-to-date list of member banks before you travel.
Access Fees for Shared ABM Services
(using banking machines on the Interac, VISA* or PLUS* systems)
For cash withdrawals from a day-to-day bank account (chequing or savings) using a
ScotiaCard banking card and PIN:
Interac (Canada Only): $1.501
VISA* or PLUS* System (U.S. Only): $3.00 1
VISA* or PLUS* System (Outside Canada and the U.S.): $5.001
For VISA* credit card cash advances using a Scotiabank VISA credit card or ScotiaCard
banking card and PIN:
Scotiabank ABMs $2.50
Interac (Non-Scotiabank ABMs, Canada Only) $2.50
VISA or PLUS System (Outside Canada) $5.00
** Scotiabank ABMs at Shell, Quickie and Cineplex locations can only perform cash withdrawals, and only offer
services in English and French.
1
Self-service debit transaction fee also applies if transaction is not covered by your account plan.
2 By
Access Fee Waiver we mean Scotiabank will waive the international ABM/ATM access fee and the alliance
member bank will waive any terminal convenience or usage fees for any withdrawal transactions performed at
Global ATM Alliance machines with your ScotiaCard banking card or Scotiabank VISA credit card. All other
transaction fees will continue to apply. All regular account fees continue to apply. Scotiabank American Express
Cards are excluded from the Global ATM Alliance Fee Waiver program.
TeleScotia Telephone Banking Service

Our automated telephone banking service gives you access to your day-to-day, ScotiaLine
personal line of credit, credit cards, mortgage and investment accounts. You can:
Pay bills (post-dated up to one year)
Transfer funds (between your Scotiabank accounts)
Review your last 10 transactions and check pending ones
Reorder cheques quickly
Check your mortgage details, payment information, and make a prepayment.
Mortgage insurance information is also available.
Transfer amounts between USD and CAD accounts, and vice-versa.
TeleScotia telephone banking is available toll-free across North America by calling:

1-800-267-1234 (English)
1-800-575-1212 (French)
1-800-830-8800 (Cantonese)
1-800-830-8080 (Mandarin)
Register by selecting the appropriate menu prompt when you call TeleScotia telephone
banking. You will be asked to select an access code, which you will use with your
ScotiaCard banking card number to log into the system.
Service fees
No monthly access fee
No fee for transactions covered in monthly account fee
Each additional debit transaction not covered by the monthly fee is charged as
specified in the individual account plan
Fee for assisted telephone transactions is $1.50 per transaction.
Representatives are available to assist with your transactions 24 hours a day, 7 days a
week. This fee is only charged if a TeleScotia telephone banking service representative
completes the transaction on your behalf. There is no charge if you require assistance
to use the automated system.
Bank The Rest savings program
Each time you buy something with your ScotiaCard, well round your purchase to the
nearest multiple of $1.00 or $5.00 and transfer the difference from this account to your
linked Money Master account.
Service fees
No charge.
SCENE loyalty reward points
Earn SCENE reward points on ALL your debit purchases**. A SCENE ScotiaCard is the
only debit card that earns you entertainment rewards on your everyday purchases and
on movies.
1 point for every $5 purchase transaction using your SCENE ScotiaCard* at any
merchant
Earn 5 points for every $1 spent at a participating Cineplex Entertainment theatre
using your SCENE ScotiaCard
* Maximum 300 points per transaction. Maximum 600 points per day.
** In the event of a return and/or exchange of any purchase for which SCENE Points were allocated, SCENE Points
will be deducted automatically from your SCENE membership account.
Interac e-Transfers
You can send money quickly and securely using an Interac e-Transfer to anyone with a
Canadian bank account***. All you need to know is their email address.
Visit www.scotiabank.com to learn more.
Service fees
$1.00 per transfer.
Each transaction will count towards your monthly transactions as specified in your
account plan and all regular account fees will apply.
*** Service fees, in addition to regular debit service fees, apply. To receive an e-Transfer immediately, the recipient
must bank online with a participating bank. Otherwise, their account must be with a CPA member financial
institution, and they may experience a delay and be charged a service fee when receiving the funds.
Interac Online
Enjoy the convenience, safety, and security of using your ScotiaCard banking card when
shopping online to get immediate, secure, and real time access to your money to pay for
your purchases.
Wherever you see the Interac Online logo

you can make purchases directly from
your bank account using your ScotiaCard banking card and your Scotia OnLine
Financial Services password. Please note, before using the service, you must be
activated for Scotia OnLine Financial Services. To learn more about Interac Online, go
to www.scotiabank.com.
Service fees
Cross Border Debit

Enjoy the convenience, safety, and security of using your ScotiaCard banking card at
stores in the United States just like you do in Canada.
Wherever you see the NYCE
logo you can make purchases directly from
your bank account using your ScotiaCard banking card and PIN. To obtain a list
of retailers that use the NYCE network, you can visit the NYCE website at
http://www.nyce.net/consumers/retailer_list.html.
Your experience will be slightly different from your typical Canadian experience:
You may not be asked to select an account1;
The amount of the purchase to be debited will be presented in U.S. dollars; and,
The language displayed on the terminal is available only in English.
1 The
default account for the cross border debit service is the chequing account. If you do not have a chequing
account set up on your ScotiaCard banking card our system will automatically search for a savings account to
process the transaction request.
Service fees
$1.00 per transaction
General Fees
Each Canadian or U.S. Dollar Money Order
Each draft, any currency
Foreign currency items negotiated (clean bills,
cheques, money orders, drafts, transfers etc.)
Regular American Express
Travellers Cheques
American Express Cheques for Two
(available in U.S. dollars only)
American Express Gift Cheques
(available in Canadian Dollars only)
$7.50
$7.50
$2.00 per item
1.25% commission
of face value
($3.00 minimum fee)
1.75% commission
of face value
($3.00 minimum fee)
3% commission
of face value
($3.00 minimum fee)
Safety Deposit Boxes

Box Size
Annual Fee **
1.5 x 5 x 24
$45.00
2.5 x 5 x 24
$65.00
3 x 5 x 24
$65.00
3.25 x 5 x 24
$65.00
2.5 x 10.375 x 24
$90.00
5 x 5 x 24
$90.00
5 x 10 x 24
$150.00
5 x 10.375 x 24
$150.00
10 x 10.375 x 24
$255.00
** Plus GST, HST, QST as required by Federal and Provincial legislation. Scotiabanks GST/HST Registration
Number is R105195598 and the QST number is 1000042508.
Resolving Your Complaint

Step One:
Talk to the people at your Branch or Service Centre.
If the person you speak to at the branch/service centre where you do business is not able
to resolve your concern to your satisfaction, please speak directly to the Manager, who
has the authority to resolve the majority of problems that arise.
Step Two:
Contact the Office of the President.
If the Manager has been unable to resolve your complaint satisfactorily, a representative
of the President will be pleased to assist you.
Telephone
English 1-877-700-0043 (in Toronto 416-933-1700)

French 1-877-700-0044 (in Toronto 416-933-1780)
Fax
1-877-700-0045 (in Toronto 416-933-1777)
e-mail
mail.president@scotiabank.com
Mail
The President, Scotiabank,

44 King Street West
Toronto, ON M5H 1H1
Step Three:
Contact Scotiabanks Ombudsman.
Scotiabanks Ombudsman, who reports directly to our CEO, has been appointed to
undertake an impartial review of all unresolved customer complaints. If you have gone
through the first two steps and remain dissatisfied, submit your complaint to the
Ombudsman in writing.
Mail
Scotiabank Ombudsman
44 King Street West
Toronto, ON M5H 1H1
Fax
1-866-787-7061
e-mail
ombudsman@scotiabank.com
Telephone
1-800-785-8772 (in Toronto 416-933-3299)
Resolving Your Complaint 34
Still not satisfied?

There is the Ombudsman for Banking Services and Investments (OBSI)
An independent Ombudsman has been appointed to serve the interests of customers of
Canadian banks and investment firms. If you are not satisfied with our Ombudsmans
response, you can refer your complaint to the OBSI. While we would expect to resolve
your complaint within 90 days, if our best efforts have been unable to provide a
resolution in that time, you may refer your complaint to the OBSI.
Mail
Ombudsman for Banking Services and Investments

401 Bay St. Suite 1505
P.O. Box 5
Toronto, ON M5H 2Y4
Fax
1-888-422-2865
e-mail
ombudsman@obsi.ca
Telephone
1-888-451-4519
Contacting the Financial Consumer Agency of Canada (FCAC):

The FCAC supervises federally regulated financial institutions to ensure they comply
with federal consumer protection laws. For example, financial institutions must provide
consumers with information about fees, interest rates and complaint-handling
procedures. They must also provide proper notice of closing a branch and, subject to
certain conditions, must cash a federal government cheque up to $1,500 and open a
deposit account when acceptable identification is presented. If you have a complaint
about such a regulatory matter, you can contact the FCAC in writing at:
Financial Consumer Agency of Canada
6th Floor, Enterprise Building
427 Laurier Avenue West
Ottawa, Ontario K1R 1B9
By telephone at 1-866-461-3222 (French 1-866-461-2232) or through its website
at www.fcac-acfc.gc.ca
35 Resolving Your Complaint
Codes of Conduct and Public Commitments

Scotiabank is committed to a number of voluntary codes of conduct and public
commitments designed to protect consumer interests, such as those listed below.
Copies of the full text of the codes and commitments are available on the Scotiabank
website at www.scotiabank.com or from the branch with which you are dealing.
CBA Code of Conduct for Authorized Insurance Activities
Industry standards for bank representatives offering credit, travel and personal
accident insurance products in Canada.
Canadian Code of Practice for Consumer Debit Card Services
Industry and consumer practices and responsibilities related to the use of debit
cards in Canada.
Code of Conduct for the Credit and Debit Card Industry in Canada
Guidelines for Transfers of Registered Plans
Industry standards for the transfer of deposit type registered savings plans between
financial institutions.
Low-Fee Retail Deposit Account Memorandum of Understanding
A commitment to provide a standard low-fee account to consumers.
Model Code of Conduct for Bank Relations with Small and Medium Sized Businesses
Industry standards for bank dealings with small- and medium-sized businesses.
Online Payments
Industry and consumer practices and responsibilities related to the use of Interac
Online.
Plain Language Mortgage Documents CBA Commitment
A commitment to ensure the readability of residential mortgage documents.
Principles of Consumer Protection for Electronic Commerce: A Canadian
Framework
A guide to protecting consumers in online transactions.
Undertaking: Principal Protected Notes Regulations
A commitment to provide cancellation rights to consumers who purchase principal
protected notes by electronic means or by telephone.
Undertaking on Unsolicited Services
Industry standards related to the marketing and provision of new unsolicited
services and the provision of modified or replacement services.
VISA E-Promise
A commitment to assist consumers in getting their money back for unsatisfactory
purchases made online, by phone or by mail.
VISA Zero Liability Policy
A commitment that consumers will pay nothing for certain fraudulent credit card
transactions.
Voluntary Commitment - Reduced Cheque Hold Periods
A commitment to reduce the maximum cheque hold period.
Codes of Conduct and Public Commitments 36
ScotiaCard Cardholder Agreement

This ScotiaCard Cardholder Agreement sets out the terms that apply to your
ScotiaCard banking card. It replaces all previous versions of the ScotiaCard
Cardholder Agreement and it applies if we send or provide you with a replacement or
reissue you a ScotiaCard banking card.
You agree to use your ScotiaCard banking card and Electronic Signature according to
the terms of this Agreement and any other terms or conditions that we may advise you
of from time to time.
Definitions You Need to Know
Account means a deposit account, credit card account, investment or brokerage or
loan account you have with us that can be accessed using your ScotiaCard banking
card and your Electronic Signature.
Agreement means this ScotiaCard Cardholder Agreement as amended, modified or
replaced from time to time.
Automated Banking Services means the channels where you can access your
designated Accounts and includes:
designated automated banking machines (ABMs)
Direct Payment terminals
mobile banking (mobile Internet banking)
Scotia OnLine Financial Services (online financial services accessed by personal
computer)
TeleScotia automated telephone banking
Bill Payment Company refers to a business, company, utility company or other party
that has an arrangement with Scotiabank to be a payee of bill payments through the
service for which you have been registered by Scotiabank for branch, telephone
banking, ABM, Scotia OnLine Financial Services and/or mobile banking bill
payment access.
Card and ScotiaCard banking card mean the ScotiaCard banking card and any
replacement card that we have issued to you or any card that we have reissued to you,
that has a unique card number and that is:
(i) used with your Electronic Signature to access Automated Banking Services;
and/or
(ii) used to conduct PIN-less Card Transactions.
Cardholder means the person to whom a ScotiaCard banking card has been issued
by the Bank.
Direct Payment refers to Interac Debit, NYCE, Interac Online, Interac Flash or
any other system we may designate from time to time to pay for goods or services by
using your ScotiaCard banking card.
Electronic Signature refers to each combination of numbers and/or letters selected
by you, for your use, as a means of your authorization to use certain services that are
37 ScotiaCard Cardholder Agreement

available from us from time to time. Your Electronic Signature includes, but is not
limited to, (i) your personal identification number (PIN) used at branches,
automated banking machines (ABMs) and Direct Payment terminals, (ii) your
personal access code (PAC) for access to TeleScotia automated telephone banking,
and (iii) security codes such as access codes and passwords for access to Scotia
OnLine Financial Services and mobile banking, for use in association with your
Card.
Inactive Accounts means those deposit accounts having no customer-initiated
transactions for 24 consecutive months.
PIN means the secret and confidential personal identification number you have
selected for your ScotiaCard banking card. The PIN is used in conjunction with your
ScotiaCard banking card to confirm your identity and to authorize transactions
performed using your Card.
PIN-less Card means any encoded Card or device that is programmed to allow
transactions to be authorized by Scotiabank without a PIN.
PIN-less Card Transactions means face to face payments or other funds transfers
(including refunds) made at a terminal using a PIN-less Card, in Canada without
using a PIN.
We, our, us, Scotiabank and the Bank means The Bank of Nova Scotia and, as
applicable, any of our Canadian subsidiaries.
You and your mean the person to whom we have issued a ScotiaCard banking card.
Electronic Signature
Protecting the security of your Card and your Electronic Signature is important. You
agree to keep your Electronic Signature confidential and separate from your Card at
all times. You further agree to select an Electronic Signature that cannot be easily
guessed and to not use a combination selected from your name, date of birth,
telephone number(s), bank account number(s), address or social insurance number.
You may use your ScotiaCard number, PIN or Scotia OnLine credentials to identify
yourself to a third party, such as a government office, where this method is authorized
by us and where this ability is available.
No one but you is permitted to know or use your Electronic Signature. If someone
obtains your Card and your Electronic Signature in a way that allows them to be
used together, you may be liable for their use of your Card. Please refer to the
Limitation for Authorized & Unauthorized Use of the Card section in this
Agreement for more information about when you are liable and when you are not.
Using Your Card

Upon request, we will issue you a ScotiaCard banking card in your name. When you
receive the Card or any Card we have reissued to you or if you select a PIN, sign the
reverse of the Card, activate or use the Card that means you have received and read
this Agreement and you agree with its terms.
Once your card is activated, you can access any of the Automated Banking Services by
ScotiaCard Cardholder Agreement 38
using your Card and your Electronic Signature. Please refer to the Interac Flash
section for information on enabling or disabling Interac Flash.
Expiry Date
Your Card has an expiry date. A new Card will be reissued to you before the expiration
date on the Card. You agree not to use your ScotiaCard banking card after the Cards
expiry date. If it is used, you are liable for all transactions that are incurred.
Automated Banking Services

You can access your designated Accounts through Automated Banking Service
channels. You authorize Scotiabank to accept your instructions given through any of
these methods as if you had given the instructions in writing, for any service request
the Bank is prepared to honour, for bill payments, transfers between Accounts,
transfers to third parties such as e-mail money transfers and any other available
Automated Banking Services offered by the Bank from time to time.
You can obtain cash advances at designated ABMs in Canada from your Scotiabank
VISA* card, your ScotiaLine for business VISA* card, your American Express Card
issued by Scotiabank, your ScotiaLine personal line of credit and your ScotiaLine
personal line of credit for students accounts if:
Automated Banking Services access to these designated Accounts has been
pre-arranged,
your Accounts are in good standing, and
your Account credit limit will not be exceeded by doing so.
You can also access your designated investment Accounts (including your GICs and
your Accounts with Scotia Securities Inc.) and brokerage accounts with
ScotiaMcLeod and Scotia iTRADE through:
personal computer through the internet
designated ABMs (GICs only)
our brokerage automated telephone service
Scotia OnLine Financial Services
mobile banking (certain display limitations apply)
TeleScotia automated telephone and wireless banking (GICs only)
You authorize Scotiabank, Scotia Securities Inc., and Scotia Capital Inc. to accept
your instructions given through any of these methods as if you had given instructions
in writing for purchases, sales and transfers between your designated investment
Accounts and other accounts, or for any other Automated Banking Services offered by
us, Scotia Securities Inc. or Scotia Capital Inc. from time to time. For certain
purposes, when dealing with your investment Accounts, we may restrict access to
some of your other Account options.
Any Branch Banking (ABB Service)

You can access your designated Accounts through the ABB Service by presenting your
Card together with your Electronic Signature, your passbook, your personalized
Scotiabank cheque, or such other identification, as we reasonably require, at any
Scotiabank branch within Canada. If you do not have a ScotiaCard, you will need
sufficient identification to enable the branch to verify your identity and your home
branch may need to be contacted to facilitate the transaction.
Inactive Accounts cannot be accessed through any Automated Banking Service(s) or
through the ABB Service.
Transaction Charges & Fees

You agree to pay and we may deduct, without notice, from any of your Accounts (even
if this creates or increases an overdraft) the following:
A transaction charge at the prevailing rate (as determined by us from time to time)
for each transaction for which your Card or ScotiaCard banking card or Card number
has been used through the Automated Banking Services listed above or other
designated automatic terminals. A notice of the charges and fees is provided in this
booklet.
The transaction charges or service fees imposed by other financial institutions (inside
or outside Canada) for each transaction you conducted through their ABMs or direct
payment terminals in which your PIN-less Card or Card and Electronic Signature have
been used. You should contact other financial institutions for information on their
transaction fees or service fees they charge for using their ABMs or direct payment
terminals.
You acknowledge that the transaction charges and service fees charged by Scotiabank
and the other financial institution for each transaction performed are in addition to
any account level service charges that apply to your Accounts.
Transaction Limits
We may establish and change limits, dollar or otherwise, from time to time, that apply
to your use of the ScotiaCard banking card and on the various transactions which may
be available through the services, without prior notice to you.
Cumulative limits currently in effect are:
ABM/ABB cash withdrawal/advance from your account using your ScotiaCard
banking card as indicated on your ScotiaCard Banking Access
Enrolment/Maintenance Form.**
Direct Payment limits and the Cashback Limit as indicated on your ScotiaCard
Banking Access Enrolment/Maintenance Form.
$250 ABM cash advance per day; $1,000 per week using your Learn VISA card and
SCENE VISA card for students; and
$1,000 ABM cash advance per day; $3,000 per week using your Scotia Momentum
VISA* card, Scotia Momentum No-Fee VISA* card, Scotiabank Value VISA*
card, No-Fee Scotiabank Value VISA* card, SCENE VISA* card, ScotiaHockeyTM
NHL* VISA* card and Scotiabank Rewards VISA* card; and
$2,000 ABM cash advance per day; $5,000 per week using your Scotia Momentum
VISA Infinite* card, ScotiaGold Passport VISA* card, Scotia Momentum for
business VISA* card, ScotiaGold Passport for business VISA* card, No-Fee
ScotiaGold VISA* card, ScotiaLine for business VISA* card, Scotiabank Platinum
American Express Card, Scotiabank Gold American Express Card, Scotiabank
American Express Card and ScotiaLine personal line of credit account.
ABM deposit
$99,999 per transaction
ABM/ABB transfer and ABM bill payment limits
$100,000 and $49,999 per day respectively
Scotia OnLine Financial Services, mobile banking, TeleScotia telephone banking
transfers
$100,000 limit for transactions between Accounts in the same currency.
$10,000 CAD daily limit for cross-currency transfers (currently unavailable on
mobile banking).
Scotia OnLine Financial Services, mobile banking, TeleScotia telephone banking bill
payments
$49,999 per transaction
Interac Flash
$100 per transaction at select merchants.
**ABB cash advance using your ScotiaCard banking card from your ScotiaLine
personal line of credit, ScotiaLine for business VISA card, ScotiaGold Passport VISA
card, No-Fee ScotiaGold VISA card, Scotia Momentum VISA card, Scotia Momentum
No-Fee VISA card, Scotia Momentum VISA Infinite card, Scotiabank Value VISA card,
No-Fee Scotiabank Value VISA card, SCENE VISA card, ScotiaGold Passport for
business VISA card, ScotiaHockey NHL VISA card, Learn VISA card, Scotiabank
Rewards VISA card, Scotiabank Platinum American Express Card, Scotiabank Gold
American Express Card and Scotiabank American Express Card will vary by account
based on the available credit limit.
All fees and limits for Interac e-Transfers, Western Union money transfers, Interac
Online purchases or foreign currency transfers are subject to change and can be
viewed on Scotia OnLine Financial Services or through the Ask Scotia functionality
in www.scotiabank.com.
Transaction Records/Confirmation Numbers

At the completion of each Automated Banking Services and ABB transaction, you will
be given a printed copy of a transaction record, unless otherwise requested, or you will
be provided with a reference number. If your Card and Electronic Signature is used
for a Direct Payment transaction, or your Card is used in a PIN-less Card Transaction,
we may arrange for a third party, such as a merchant, to give you the transaction
record.
You agree that cheques or any other form of debit voucher transaction performed at
any Scotiabank branch offering ABB or done through any Automated Banking
Services, other than at the branch where you maintain your Account(s), will not be
returned to you, but rather a description of the transaction only (e.g. cheque, debit
voucher or debit memo) will be reflected in your monthly statement or passbook.
Interac Flash
Interac Flash is a new payment feature that is available on select ScotiaCard bank
cards to permit you to make PIN-less Card Transactions. This feature enables
Cardholders to pay for small purchases, up to $100 at select merchants, without
having to insert their Card and enter a PIN. Interac Flash transactions are only for
the payment of goods and services cashback transactions are not permitted.
When you are first issued a Card with Interac Flash enabled, this feature will be
activated the first time you conduct a successful PIN transaction at a Direct
Payment terminal, at an ABM or at a branch.
You must have a pre-selected chequing account linked to your Card for the Interac
Flash feature to be enabled. If you requested to have the Interac Flash pre-selected
feature enabled on your current ScotiaCard, any replacement Cards will also have
Interac Flash feature enabled.
Opting Out or Enabling of Interac Flash on your Card

You can have Interac Flash disabled on your Card by contacting the Scotiabank Call
Centre at 1-800-4SCOTIA or by visiting your nearest branch. If you request to have
the feature disabled, any replacement Cards issued after the request will also have
the Interac Flash feature disabled.
You may request to have the Interac Flash feature enabled at any time through the
same contact methods. There is no charge to have the Interac Flash feature added to,
disabled or enabled on your Card.
Cardholder Liability PIN-less Card Transactions
1. Liability for Losses PIN-less Card Transactions
a) Cardholders are responsible for all authorized use of valid PIN-less Cards. An
authorized PIN-less Card Transaction is one in which the PIN-less Card is used to
carry out the transaction and in which the Cardholder has not been the victim of
trickery, force, intimidation or theft.
b) Cardholders are not liable for losses resulting from:

fraudulent PIN-less Card Transactions (provided you have not contributed to
the loss);
technical problems and other system malfunctions;
unauthorized PIN-less Card Transactions after the PIN-less Card has been
reported to us as lost or stolen;
unauthorized PIN-less Card Transactions after the PIN-less Card is cancelled or
expired;
fraud or negligence caused by us;
unauthorized PIN-less Card Transactions, where the Cardholder has
unintentionally contributed to such use, provided the Cardholder cooperates in
any subsequent investigation.
c) In all other cases, when a Cardholder contributes to unauthorized use of a PIN-less
Card in a PIN-less Card Transaction, the Cardholder will be liable for the resulting
loss. This loss will not exceed the established PIN-less Card Transaction
withdrawal limits. In some circumstances, the loss may exceed the actual funds in
an account, for which the Cardholder will be liable. This may occur, for example,
if an account has a line of credit or overdraft protection or is linked with another
account or multiple other accounts.
d) A Cardholder contributes to unauthorized use of a PIN-less Card in a PIN-less Card
Transaction by:
failing to notify us, as soon as the Cardholder becomes aware, that the Card has
been lost, stolen or misused;
permitting use of the PIN-less Card by anyone other than the person(s)
specified as the Cardholder, such as voluntarily sharing or lending the Card; or
failing to safeguard the PIN-less Card.
e) You agree to safeguard the PIN-less Card by:
keeping your PIN-less Card in a safe place so that it cant be used by others;
always making sure that you can see your PIN-less Card at all times when you
are using it for a PIN-less Card Transaction or Direct Payment transaction;
always taking your PIN-less Card and transaction record (if requested) after a
transaction is completed;
regularly update your passbook and check your Account statements and
balances to verify all transactions have been properly recorded. If entries do
not accurately reflect your transaction activities, such as missing or additional
transactions, you should contact us immediately.
2. Procedures for Addressing Unauthorized PIN-less Card Transactions and other

PIN-less Card Transaction Problems
a) In the event of a problem with merchandise or retail service that is paid for
through a PIN-less Card Transaction, a Cardholder must resolve the problem with
the retailer concerned.
b) In the event of a problem with a PIN-less Card or a PIN-less Card Transaction,
including an unauthorized PIN-less Card Transaction, a Cardholder should
attempt to resolve the problem with Scotiabank by contacting us at
1-800-4SCOTIA.
Please refer to Settling Disputes for details on how claims are handled.
Accepting Our Records

Our records as to whether an Automated Banking Services or an ABB transaction has
been performed, and our determination of the details of that transaction, will be
considered correct and binding on you, unless you provide us with evidence to the
contrary within 30 days of the date of a disputed transaction.
Posting of Transactions
Any Automated Banking Services transaction (excluding automated bill payments)
conducted in Canada before 12:00 a.m. (midnight) local time Monday through
Saturday will normally be posted to your applicable Account as of the date of the
transaction, unless that day is a holiday. Transactions conducted on Sundays or
holidays will normally be posted to the applicable Account as of the next business day.
Any transaction conducted on a Saturday involving a Scotiabank chequing account
(opened prior to September 23, 1995) or a current or business account will normally
be posted to the designated Account as of the next business day.
Transactions conducted outside Canada may be posted to your designated Account at
a later date.
Any automated bill payment request made on or before 8:30 p.m. Eastern Standard
Time, Monday through Friday will be posted to your designated Account on the day of
the transaction. An automated bill payment made after 8:30 p.m. Eastern Standard
Time, Monday through Friday or anytime on Saturday, Sunday or a holiday, will be
posted to your designated Account on the next business day.
Any automated bill payment request will be deemed to have been received by us on
the date the transaction is posted to the designated Account.
We are not responsible for the processing of or any of the posting procedures or
practices of your designated Bill Payment Companies and we are not responsible if
they charge you late fees or interest penalties. When you make a bill payment at one
of our ABMs, branches, through Scotia OnLine Financial Services, mobile banking or
TeleScotia telephone banking, you are responsible for ensuring that the Bill Payment
Company (including account numbers and payee names) required by us to complete

your payment instructions to that Bill Payment Company is accurate at all times. We
may, without notice to you, update your bill payment profile information if we are
advised of a change by the Bill Payment Company.
The debit to your Account for post-dated bill payments and fund transfers are
processed at 6:00 p.m. Eastern Standard Time on the date to which your payment is
post-dated.
Transactions involving Accounts with insufficient cleared funds at the time of
processing will be rejected.
Limitation of Liability
WE ARE NOT LIABLE TO YOU FOR ANY DELAY, LOSS, DAMAGE OR EXPENSE THAT
YOU INCUR OR ANY INCONVENIENCE WHICH RESULTS FROM OUR PROVIDING OR
FAILING TO PROVIDE ANY SERVICE, EXCEPT WHERE SUCH LOSSES RESULT
FROM TECHNICAL PROBLEMS, BANK ERRORS OR SYSTEM MALFUNCTIONS FOR
WHICH THE BANK IS SOLELY RESPONSIBLE. ALSO, WE ARE NOT RESPONSIBLE
FOR YOUR ACTS OR OMISSIONS OR THOSE OF ANY THIRD PARTY. FURTHERMORE,
THE BANK SHALL IN NO WAY BE LIABLE FOR ANY ACCIDENT, ACT OF
AGGRESSION, THEFT, LOSS OR DAMAGE YOU MAY SUFFER WHILE USING
AUTOMATED BANKING SERVICES OR OTHER SERVICES, WHETHER YOU ARE ON
BANK OR OTHER PREMISES.
THE BANK IS NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION
OF INSTRUCTIONS ARISING OUT OF THE USE OF ANY ACCESS SERVICE
PROVIDER OR CAUSED BY ANY BROWSER SOFTWARE. WE ARE NOT RESPONSIBLE
FOR ANY SYSTEM DISRUPTIONS, INCLUDING DISRUPTIONS CAUSED BY ANY
COMPUTER VIRUS, BROWSER SOFTWARE OR RELATED PROBLEMS OR BY ANY
ACCESS SERVICE PROVIDER.
Neither the Bank, any access service provider and any other information provider,
make any express or implied warranties concerning the ABM services, Scotia OnLine
Financial Services, mobile banking or Internet browsers including, but not limited to,
any warranties of merchantability, fitness for a particular purpose or noninfringement of any third party proprietary rights unless disclaiming such warranties
is prohibited by law.
If your Card and Electronic Signature is used for a Direct Payment transaction, or
your Card is used in a PIN-less Card Transaction, the Bank is in no way responsible for
the quality or non-receipt of the goods or services from any stores, retailers or
merchants. We are also not responsible for any problems you have with any Bill
Payment Company when you use your Card and Electronic Signature to pay a bill.
We are not liable to you if an ABM or if a store, retailer or merchant does not accept
your Card at any time or if you cannot use your Card with your Electronic Signature
at any time or for any reason, including if we cancel or temporarily deactivate your
Card or decline to authorize a transaction because we have detected activity in your
Account or the use of the Card that we consider to be unusual. Where a store, retailer

or merchant becomes liable to make any refund to you, we will credit the designated
Account with the refunded amount only upon our receipt of a properly issued credit
voucher or other appropriate verification or authorization of the refund from the
store, retailer or merchant.
You are responsible for any errors, which result from your having incorrectly provided
us with or having selected any account number, dollar amount or other information
required for the operation of the Automated Banking Services. You acknowledge that
once you have confirmed the details of a payment or transfer, you may not revoke or
stop the payment or the transfer unless it is a postdated payment or transfer you have
set up in Scotia OnLine Financial Services, mobile banking or TeleScotia telephone
banking. Such postdated payments and transfers can be cancelled directly through
Scotia OnLine Financial Services until 6 p.m. EST on the day they are scheduled to
take place. You can also request cancellation of a postdated payment or transfer by
speaking directly with one of our Contact Centre representatives at the latest one (1)
business day before the scheduled payment or transfer date.
You are responsible for notifying us of any changes to billing Account information.
We may at our discretion and without prior notice, refuse a request for authorization
of any Card transaction, and may notify third parties of such refusal as we think
necessary. In exercising such discretion, we may take into account in calculating the
funds available, any funds which we may decide have been credited or debited to an
Account.
We may place a hold on ABB or ABM deposits pending verification.
Lost, Stolen, Authorized & Unauthorized Use of the Card

For PIN-less Card Transactions, please refer to Cardholder Liability PIN-less Card
Transactions
You are responsible for the care and safety of your Card and your Electronic Signature.
You agree to:
memorize your PIN and passwords, DO NOT write them down, note them on your
phone, in an app or on your computer;
always keep your Electronic Signature strictly confidential and never reveal it to
anyone including any Scotiabank employee or other financial institution
employee, law enforcement agency or even close family members or friends;
keep your Electronic Signature separate and apart from your Card and make a
reasonable attempt to hide or disguise the Electronic Signature so that no one else
can easily guess that it is a record of your Electronic Signature; and
keep your Card in a safe place and never let anyone else use it;
always make sure that you can see your Card at all times when you are using it for
a Direct Payment transaction;
if you suspect that someone knows your Electronic Signature, immediately change
it at any of our ABMs that allow you to make a PIN change or at the branch where
you maintain your Account or call us and we will deactivate your Card;
notify us immediately, by telephone and in writing, of the loss, theft or any

unauthorized use of your Card or Electronic Signature. Your liability will cease
only when we receive notice of such loss, theft or unauthorized use;
use your free hand or body to shield the entry of your Electronic Signature at ABMs
and for other Automated Banking Services and Direct Payment transactions;
always remember to take your Card and transaction record (if requested) after a
transaction is completed;
regularly update your passbook and check your Account statements and balances
to verify all transactions have been properly recorded. If entries do not accurately
reflect your transaction activities, such as missing or additional transactions, you
should visit your branch where you maintain your Account or contact us
immediately;
not to write your PIN on your Card.
You must not disclose any other security codes such as passwords, access codes and
Account numbers that may be used or required for Automated Banking Services, the
ABB Service or any other service transactions. You are responsible and liable for all
authorized Card transactions incurred using your Electronic Signature.
Limitation for Authorized & Unauthorized Use of the Card

For PIN-less Card Transactions, please refer to Cardholder Liability PIN-less Card
Transactions
You are liable for all debts, withdrawals and Account activity resulting from:
use of the Card by you or by persons to whom you have made your Card and/or
Electronic Signature available or who received possession of your Card and/or
Electronic Signature with your consent;
unauthorized use of the Card and/or Electronic Signature, where you have made
available for use the Card and Electronic Signature by keeping them together or
in such a manner as to make them available for use, including, without limitation,
using the Save My Card or Remember My Card features on a public access
computer until we have received notice of loss, theft or unauthorized use; or
any failure to comply with the terms of this Agreement.
You will not be liable for losses in the following circumstances:
technical problems and other system malfunctions;
unauthorized use of your Card and Electronic Signature, including your PIN, PAC,
password or access code after the Card has been reported to us as lost or stolen;
your Card is cancelled or expired;
you have reported another person knows your Electronic Signature including your
PIN, PAC, password or access code;
where you have been a victim of force or intimidation, provided you have not
contributed to the loss; or
fraud or negligence caused by us.

You will be considered as contributing to the unauthorized use of the Card and/or
Electronic Signature and will be fully responsible and liable for all debts, withdrawals
and Account activity where:
the Electronic Signature you have selected is the same as or similar to an obvious
number combination such as your date of birth, bank account number, address,
social insurance number or telephone number;
you write your Electronic Signature down or keep a poorly disguised written record
of your Electronic Signature, such that it is available for use with your Card; or
you otherwise reveal your Electronic Signature to anyone, resulting in the
subsequent unauthorized use of your Card and Electronic Signature together.
Until such time as you notify us of the loss, theft or unauthorized use of the Card and
Electronic Signature, you will be responsible and liable for all withdrawals, payments,
transfers from your Accounts and any other transactions involving your Accounts
performed through any of our ABMs, any other financial institutions ABMs,
TeleScotia telephone banking, Scotia OnLine Financial Services or mobile banking up
to the maximum daily and weekly permitted withdrawal amounts through ABMs
which we establish from time to time. You will also be liable for all purchases and
withdrawals up to the maximum daily and weekly Direct Payment limits for Direct
Payment transactions. The Direct Payment liability is over and above the maximum
daily and weekly ABM withdrawal amounts.
You will also be liable for other losses which occur through Automated Banking
Services, including but not limited to your, Scotiabank VISA* card, ScotiaLine access
card, ScotiaLine for business VISA* card, American Express Card issued by
Scotiabank and/or ScotiaLine personal line of credit account and cash advances,
collectively called Other Losses. You are liable for these losses if they occur as a
result of the authorized or unauthorized use of your Card and/or Electronic Signature
or the Automated Banking Service.
Note the amount of the loss may exceed your account balance if your Account has
overdraft protection or if a fraudulent deposit has been made to your Account.
Credit Card account liability clause:

You understand that each withdrawal or transfer from your Scotiabank credit card is
treated as a cash advance under the Revolving Credit Agreement. If credit card cash
advance losses occur through Automated Banking Services, the liability for those
losses under this Agreement is in addition to the liability you incur under your
Revolving Credit Agreement.
Processing Foreign Currency Withdrawals and Direct Payments

Cash withdrawals and Direct Payments made in a foreign currency using your Card
and Electronic Signature will be deducted from your Account(s) in amounts
converted to Canadian dollars based on an exchange rate determined on the
transaction settlement date by VISA International, Acxsys Corporation or other
appropriate payment network, on our behalf. This exchange rate may be different
from the exchange rate in effect on the date of your transaction. In addition, each
foreign currency withdrawal will be subject to a charge equal to 2.5% of the converted
Canadian dollar amount and a charge as defined in the applicable Service Request or
this booklet that governs the Account(s). Each Direct Payment will be subject to a
charge equal to 2.5% of the foreign currency amount and a charge as defined in the
applicable Service Request or this booklet that governs the Account(s).
Scotiabank VISA Cards For cash withdrawals made from ABMs outside of Canada
using a ScotiaCard banking card to obtain a cash advance on the VISA card account,
the exchange rate is determined by VISA Inc., on our behalf, on the date that the
transaction is settled with VISA Inc. This exchange rate may be different from the
exchange rate in effect on the transaction date. The exchange rate includes an
additional amount equal to 2.5% of the converted amount. For each foreign currency
withdrawal, a converted Canadian dollar amount will be deducted from your
Account(s), plus a charge per cash withdrawal as defined in the applicable Revolving
Credit Agreement or Service Request or this booklet that govern the Account(s).
American Express Cards issued by Scotiabank For cash withdrawals made from
ABMs outside of Canada using a ScotiaCard banking card to obtain a cash advance on
the American Express Card account, the exchange rate is determined by the
appropriate network, on our behalf, on the date that the transaction is settled with
that network. This exchange rate may be different from the exchange rate in effect on
the transaction date. The exchange rate includes an additional amount equal to 2.5%
of the converted amount. For each foreign currency withdrawal, a converted Canadian
dollar amount will be deducted from your Account(s), plus a charge per cash
withdrawal as defined in the applicable Revolving Credit Agreement or Service
Request or this booklet that govern the Account(s).
If you use your Card for a transaction in a foreign currency and the store, retailer or
merchant gives you a credit voucher (for example in the case of a refund), the two
transactions (the purchase and the refund) may not balance exactly because of
exchange rate and currency fluctuations between the date of the purchase and the
date of the credit (or refund).
We will not assume any risks associated with foreign currency exchange gains or
losses from cross-currency conversions resulting from the use of your Card. Any gains
made or losses incurred by you in connection with foreign currency transactions
because of currency rate fluctuations between the date the transaction is posted and
the date any subsequent credit is posted to the designated Account are your
responsibility and shall be payable to you or by you (as the case may be).
Changing Limits & Designated Accounts
We may establish and change limits (dollar or otherwise) from time to time, on the
types of transactions which may be available, or companies which may be paid in
connection with any of the Automated Banking Services or the ABB services provided
for in this Agreement.

We may designate one or more of your Accounts for the FastCash or other services
available through our Automated Banking Services or Direct Payment terminals. You
can cancel or change any designation at any time by letting us know in writing.
Cancelling Banking Services

We may at any time, without notice, withdraw any ABMs or Direct Payment terminals
from use, cancel or vary the whole or any part of the services we offer you through the
use of the Card.
No Automated Banking Services transactions, including, without limitation, deposits,
bill payments, post dated bill payments, funds transfer, loan payments, enquiries, mini
statements and/or cash advance requests will be processed after cancellation of the
Automated Banking Service.
Adding or Changing the Terms of this Agreement

You acknowledge that we can add, change or replace the terms and conditions of this
Agreement from time to time. Notice of additional, amended or replaced terms and
conditions may be given to you in any of the following ways:
a notice addressed to you at your last address in our records;
a notice prominently displayed at all Scotiabank ABMs;
a notice on the Scotiabank website;
a notice in a readily accessible place in our branches;
a notice in your monthly statement;
an electronic notice or message sent to the Communications Centre of Scotia
OnLine Financial Services; or
Your continued use of the Account, the Automated Banking Services or any other
service with us, acknowledges that you agree to and accept the new terms and
conditions of the ScotiaCard Cardholder Agreement and all agreements related to
the Account or service as amended, modified or replaced. Scotiabank has the right to
send you a new ScotiaCard with new features without prior notice.
Settling Disputes
All disputes between you and a designated Bill Payment Company, including your
rights to compensation or any offset rights (set-off), shall be settled directly by you
with the Bill Payment Company. We do not verify, nor are we required to verify, that
any purpose for which the payment is made has been fulfilled by the Bill Payment
Company as a condition of honouring your payment request on your Account.
All claims or disputes between you and the merchant including any right to
compensation or setoff, shall be settled directly between you and the merchant.
For all unauthorized claims, we will investigate the transaction and a determination
regarding whether any reimbursement will be made based upon the investigation. We
will respond to the Cardholders report of an unauthorized Card transaction within 10
business days. We may require a signed statement during the course of the
investigation. Or, where appropriate, we may require a signed affidavit from the
Cardholder, which may result in a temporary suspension of the 10 day limit, until the
requested information is received.
No funds, or only partial funds will be reimbursed if our investigation determines that
on the balance of probabilities, the Cardholder contributed to the unauthorized use
of their Card. If we cannot settle the complaint in your favour, you will be informed of
the reasons for Scotiabanks position in the matter.
If a problem with a card transaction is not resolved to your satisfaction or you have
not received a response to a claim of an unauthorized card transaction within the
time period, please refer to the Complaint Resolution section of the Day-to-Day
Banking Companion Booklet.
In Quebec
The party(ies) to this Agreement has/have requested that this document be drawn up
in English. Les parties ont demand que ce contrat soit rdig uniquement en anglais.
Other Agreements
All credit agreements and all other banking agreements governing your Accounts
apply to any and all Automated Banking Services transactions. When using your
ScotiaCard to access your Scotiabank credit card account, you will be governed in all
other respects by the terms of your Scotiabank Revolving Credit Agreement. If there
is a conflict between this Agreement and the Revolving Credit Agreement, the Service
Request, the Day-to-Day Banking Companion Booklet, or the Business Banking
Services Agreement, the ScotiaCard Cardholder Agreement will prevail as it relates
to the use of your Card and the services contemplated in this Agreement.
ScotiaCard banking card Customer Service

If your Card is lost or stolen, or retained by an automated banking machine,
immediately visit your nearest Scotiabank branch and request a replacement or call
one of the following numbers:
Service in English
1-800-4SCOTIA
(1-800-472-6842)
Toronto
416-701-7200
Service en franais
1-800-575-2424
Rgion de Toronto
416-701-7222
TTY/TDD Service Only
1-800-645-0288
Your ScotiaCard banking card provides access to Automated Banking Services,
wherever you see these symbols:

For more information about our electronic banking services, fees or rates, please
contact ScotiaCard banking card Customer Service at 1-800-4SCOTIA (1-800-4726842) or visit any Scotiabank branch.
Information on Automated Banking Services can be obtained on the Scotiabank
website at: www.scotiabank.com/scotiacard or by calling ScotiaCard banking card
Customer Service at: 1-800-4SCOTIA (1-800-472-6842).
Scotiabank voluntarily adheres to the Canadian Code of Practice for Consumer Debit
Card Services. For information about the Code visit www.cba.ca
Registered trademarks of The Bank of Nova Scotia.

Trademarks of The Bank of Nova Scotia.
Interac Inc. owner of the mark Interac. The Bank of Nova Scotia authorized user of the mark.
* Visa Int./Lic. user The Bank of Nova Scotia.
American Express is a registered service mark of American Express. This credit card program is issued and
administered by The Bank of Nova Scotia under license from American Express.
* NHL and the NHL Shield are registered trademarks of the National Hockey League. NHL 2013. All Rights
Reserved.
2012 Western Union Holdings, Inc. All Rights Reserved. The Western Union name, logo, tradename, trade dress
and related trademarks, owned by Western Union Holdings, Inc. are registered and/or used in the U.S. and many
different countries.
Online banking capability requires a personal computer, modem and Internet access.
Mobile banking capability requires an Internet-enabled mobile device. Your wireless carriers standard text
messaging and data charges apply, as defined by your service plan with your carrier.
Scotia iTRADE (Order-Execution Only Accounts) is a division of Scotia Capital Inc. ("SCI"). SCI is a member
of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund.
System response and account access times may vary due to a variety of factors, including trading volumes,
market conditions, system performance, and other factors. Scotia iTRADE does not provide investment advice or
recommendations and investors are responsible for their own investment decisions.
Scotiabank Group Privacy Agreement

Your privacy is important to Scotiabank. This Agreement sets out the information
practices for Scotiabank Group Members in Canada, including what type of
information is collected, how the information is used, and with whom the information
is shared.
This Agreement may be amended from time to time. (See Further Information,
below, for an explanation of how we will advise you of any future changes.)
In this Agreement, we, our, us and Scotiabank mean, as applicable, any
Scotiabank Group Member or the collective Scotiabank Group and include any
program or joint venture any of these parties participates in; you and your mean
an individual who has made application to us for, enrolled in or signed an application
in respect of any personal or business banking, insurance, brokerage or financial
product or service offered by us (Service), including any coapplicants, guarantors or
personal representatives.
Collecting, using and disclosing your information

1. When you apply for, or provide a guarantee in respect of, or use any Service and
while you are our customer, you agree that:
We may collect personal information from you and about you such as:
Your name, address, telephone number, nature of your principal business or
occupation and date of birth, which is required by law;
Identification, such as a valid drivers license or passport. We may also ask for
documents such as a recent utility bill to verify your name and address;
Your annual income, assets and liabilities and credit history;
Information about your transactions, including payment history, account
activity and how you intend to use the account or Service and the source of any
incoming funds or assets;
Information we may need in order to provide you with a Service such as health
information if you are applying for certain insurance products. In some
instances, providing this information is optional;
Information about third parties such as your spouse if you are applying for
certain Services, where this information is required by law; and
Information about beneficial owners, intermediaries and other parties, which
is required by law.
For legal entities such as businesses, partnerships, trusts, estates, clubs or other
organizations, we may collect the information referred to above from each
authorized person, partner, trustee, executor and club member, as appropriate.
We may collect your personal information, and use it, and disclose it to any person
or organization for the following purposes:
To confirm your identity;
To understand your needs;
53 Scotiabank Group Privacy Agreement
To determine the suitability of our Services for you;

To determine your eligibility for our Services;
To set up, manage and offer Services that meet your needs;
To provide you with ongoing Service;
To satisfy legal and regulatory requirements that we believe are applicable to
us, including the requirements of any selfregulatory organizations to which we
belong;
To help us collect a debt or enforce an obligation owed to us by you;
To respond to a court order, search warrant or other demand or request which
we believe to be valid, or to comply with the rules of production of a court;
To manage and assess our risks;
To investigate and adjudicate insurance claims; and
To prevent or detect fraud or criminal activity or to manage and settle any
actual or potential loss in connection with fraud or criminal activity.
When we collect your health information for the purpose of providing an insurance
Service, we will use that information strictly for that purpose. (See below for more
information.) We do not provide directly all the services related to your
relationship with us. We may use third party service providers to process or handle
personal information on our behalf and to assist us with various services such as
printing, mail distribution and marketing, and you acknowledge that we may
release information about you to them. Some of our service providers are located
outside of Canada. As a result, your personal information may be accessible to
regulatory authorities in accordance with the law of these jurisdictions. When
personal information is provided to our service providers, we will require them to
protect the information in a manner that is consistent with Scotiabank Group
privacy policies and practices.
2. We may collect, use and disclose your Social Insurance Number (SIN) for income
tax reporting purposes, as required by law. In addition, we may ask you for your SIN
to verify and report credit information to credit bureaus and credit reporting
agencies as well as to confirm your identity. This allows us to keep your personal
information separate from that of other customers, particularly those with similar
names, and helps maintain the integrity and accuracy of your personal
information. You may refuse to consent to its use or disclosure for purposes other
than as required by law.
3. We may verify relevant information you give us with your employer or your
references and you authorize any person whom we contact in this regard to
provide such information to us. If you apply for or enroll in a Service and during
the time you have the Service, we may consult various financial service industry
databases or private investigative bodies maintained in relation to the type of
Service you have applied for, enrolled in or have. You also authorize us to release
information about you to these databases and investigative bodies. In Canada,
investigative bodies are designated under the regulations of the Personal
Scotiabank Group Privacy Agreement 54
4.
5.
6.
7.
8.
Information Protection and Electronic Documents Act (PIPEDA) and include

such organizations as the Bank Crime Prevention and Investigation Office of the
Canadian Bankers Association and the Investigative Services Division of the
Insurance Bureau of Canada.
You agree that we may monitor or record any telephone call we have with you. The
content of the call may also be retained. We may inform you before proceeding
with the call of this possibility. This is to establish a record of the information you
provide, to ensure that your instructions are followed properly and to ensure
customer service levels are maintained.
Scotiabank may use video surveillance in and around our branches, bank machines
and other locations for the purpose of: safeguarding our clients and employees;
and protecting against theft, fraud and vandalism. Any video images recorded are
destroyed when they are no longer required for business or other purposes, and
any personal information is safeguarded in accordance with this Agreement.
If you have a Service with us, we may use, disclose to and collect from credit
bureaus or financial service industry databases, credit and other information
about you in order to offer you pre-approved credit products or margin facilities.
We may also do this after the Service has ended. You may withdraw your consent
at any time by giving us reasonable notice (see below).
We may give information (except health information) about you to other members
of the Scotiabank Group (where the law allows this) so that these companies may
tell you directly about their products and services. The Scotiabank Group includes
companies engaged in the following services to the public: deposits, loans and
other personal financial services; credit, charge, debit and payment card services;
full service and discount brokerage services; mortgage loans; trust and custodial
services; insurance services; investment management and financial planning
services; and mutual funds investment services. This consent will also apply to any
companies that form a part of the Scotiabank Group in the future. You also agree
that we may provide you with information from third parties we select. Your
consent to this is not a condition of doing business with us and you may withdraw
it at any time (see below).
For a list of Scotiabanks affiliates and subsidiaries in Canada, please refer to the
Public Accountability Statement/Corporate Social Responsibility Report
available at any Scotiabank branch or on the Scotiabank website at
www.scotiabank.com.
We may ask you for contact information such as your telephone, mobile or fax
number or email address, and keep and use this information as well as disclose it
to other members of the Scotiabank Group so that we or any of these companies
may contact you directly through these channels for the purpose of marketing,
including telemarketing. This consent will also apply to any companies that form
a part of the Scotiabank Group in the future. Your consent to this is not a condition
of doing business with us and you may withdraw it at any time (see below).

9. If we sell a company in the Scotiabank Group or a portion of the business of a
Scotiabank Group Member, we may release the information we hold about you to
the prospective purchaser. We will require any prospective purchaser to protect
the information provided and to use it in a manner that is consistent with
Scotiabank Group privacy policies and practices.
10. We may keep and use information about you in our records for as long as it is
needed for the purposes described in this Agreement, even if you cease to be a
customer.
11. You agree that all information that you give us will, at any time, be true and
complete. If any personal information changes or becomes inaccurate or out of
date, you are required to advise us so we can update our records.
Refusing or withdrawing consent
Subject to legal, regulatory and contractual requirements, you can refuse to consent
to our collection, use or disclosure of information about you, or you may withdraw your
consent to our further collection, use or disclosure of your information at any time in
the future by giving us reasonable notice. However, depending on the circumstances,
withdrawal of your consent may prevent us from providing you, or continuing to
provide you, with some Services or information that may be of value to you.
We will act on your instructions as quickly as possible but there may be certain uses
of your information that we may not be able to stop immediately.
You cannot refuse our collection, use and disclosure of information required by third
party service providers essential for the provision of the Services or required by our
regulators, including selfregulatory organizations. Some of our service providers are
located outside of Canada. As a result, your personal information may be accessible to
regulatory authorities in accordance with the law of these jurisdictions.
You can tell us at any time to stop using information about you to promote our Services
or the products and services of third parties we select, or to stop sharing your
information with other members of the Scotiabank Group. If you wish to refuse consent
or to withdraw consent as outlined in this Agreement, you may do so at any time by
contacting the branch or office with which you are dealing or by calling us toll-free.
Scotiabank
1-800-4SCOTIA
ScotiaMcLeod and Scotia Private Client Group
1-866-437-4990
ScotiaLife Financial
1-800-387-9844
Scotia iTRADE
1-888-872-3388
In addition, if you apply for, accept, or guarantee, a line of credit, term loan,
mortgage or other credit account with us
When you apply for, accept, or guarantee a loan or credit facility or otherwise become
indebted to us, and from time to time during the course of the loan or credit facility,
we may use, give to, obtain, verify, share and exchange credit and other information
(except health information) about you with others including credit bureaus, mortgage
insurers, creditor insurers, reinsurers, registries, other companies in the Scotiabank

Group and other persons with whom you may have financial dealings, as well as any
other person as may be permitted or required by law. We may do this throughout the
relationship we have with you. You also authorize any person whom we contact in this
regard to provide such information to us.
If you have a VISA* account with us, we may give information (except health
information) about you to VISA Canada Association, VISA International Service
Association and their employees and agents, for the purpose of processing,
authorizing and authenticating your VISA card transactions, providing you with
customer assistance services, and for other purposes related to your VISA account. We
may also give this information in respect of your participation in contests and
promotions administered by the Association on our behalf.
If you have a Service with us such as a ScotiaCard banking card, we may give
information (except health information) about you when you use your ScotiaCard
banking card to electronic payment service providers, debit card networks, loyalty
program partners and their respective employees and agents for the purpose of
processing, authorizing and authenticating your debit card transactions, providing
you with customer assistance services and for other purposes related to your Services.
We may also give this information in respect of your participation in contest and
promotions administered by the electronic payment service providers, debit card
networks, and loyalty program partners on our behalf.
If you have a mortgage account with us, we may give information about you, including
credit information, to mortgage insurers for any purpose related to mortgage
insurance. Information retained by Canada Mortgage Housing Corporation will be
subject to federal access to information and privacy legislation.
During the term of the loan or credit facility, you may not withdraw your consent to
our ongoing collection, use or disclosure of your personal information in connection
with the loan or other credit arrangement you have with us or have guaranteed. We
can continue to disclose your personal information to credit bureaus even after the
loan or credit facility has been retired, and you may not withdraw your consent to our
doing so. We do this to help maintain the accuracy, completeness and integrity of the
credit reporting system.
In addition, if you accept an insurance Service with us
When you apply for, enroll in or sign an application in respect of or accept an
insurance Service from us, we may use, give to, obtain, verify, share and exchange
information about you with others including references you have provided, from
hospitals and health practitioners, from government health insurance plans, from
other insurers, from medical information and insurance service bureaus, from law
enforcement representatives, from private investigators, and from other groups or
companies where collection is necessary to underwrite or otherwise administer the
Service requested, including the assessment of claims. You also authorize any person
whom we contact in this regard to provide such information to us.

If you accept an insurance Service with us, or if an insurance Service is issued on your
life, you may only withdraw your consent as noted above so long as the consent does
not relate to underwriting or claims where the Scotiabank Group member must
collect and report information to insurance service bureaus after the application has
been underwritten or the claim has been adjudicated. This is necessary to maintain
the integrity of the underwriting and claims systems.
Further information
You acknowledge that we may amend this Agreement from time to time to take into
consideration changes in legislation or other issues that may arise. We will post the
revised Agreement on our website and make it available at our branches or we may
also send it to you by mail. We may also notify you of any changes to this Agreement
in any of the following ways:
A notice prominently displayed at all banks ATMs;
An announcement through the VoiceResponseUnit (VRU);
A notice on the Scotiabank website;
A notice in our branches; or
A notice in your monthly statement.
Your continued use of the account or Service following notice of such change means
that you agree to and accept the new terms and conditions of the Agreement as
amended. If you do not agree with any of the changes made or with the new terms of
the Agreement, you must immediately stop using the account or Services and notify
us that you are closing your account or terminating your Service with us.
If you have a general question about any Scotiabank Group Member's privacy policies,
please contact the branch or office you deal with or call us tollfree at 1 800 472 6842.
If your branch or office is not able to resolve your concern to your satisfaction, contact
the Presidents Office:
Telephone: 1-877-700-0043
Fax:
1-877-700-0045
Email:
mail.president@scotiabank.com
Letter:
The President, Scotiabank,
44 King Street West, Toronto ON M5H 1H1
Copies of our entire formal Privacy Code as well as the Scotiabank Guidelines for
Business Conduct are also available to the public on www.scotiabank.com. These
documents form part of the Scotiabank Group Privacy Agreement.
For the purposes of this Agreement, Scotiabank Group means, collectively, The Bank
of Nova Scotia and all of The Bank of Nova Scotias affiliates and subsidiaries with
respect to their operations in Canada. Scotiabank Group Member means The Bank of
Nova Scotia or any one of its affiliates and subsidiaries with respect to its operations
in Canada.
Overdraft Protection Agreement

The Overdraft Protection Agreement is provided here. The service fees are listed on
pages 24 and 25 of this booklet.
Overdraft Protection is a temporary credit account
Subject to credit approval, you may use your Overdraft Protection from the date the
agreement is approved by us.
Overdraft limit
You may overdraw the account specified in the agreement up to the amount agreed to
in writing by us.
You may overdraw the account by cheque, pre-authorized payment or any other debit
we authorize, i.e., withdrawal, transfer, direct payment, purchase transaction or
electronic bill payment. We may refuse any debit if the amount would cause the
overdraft limit to be exceeded.
Effective Date
The Overdraft Protection will be available for use, effective the approval date. If the
Overdraft Protection is approved under the Scotia Total Equity Plan, then it will be
available from the funding date of the Plan.
Payment
Within 30 days from the day in which the overdraft occurred:
You will bring your account to a positive balance.
For dishonoured items, you will pay us the handling charge for each debit drawn
on the account and all other applicable service charges. Handling charges are
treated as overdraft amounts.
You will pay us the overdraft interest charge set out in this booklet, or as stipulated
by written notice to you. Interest is accrued and calculated daily to each statement
date on each debit from the date on which the debit is charged to the account.
Overdraft interest charges are treated as overdraft amounts.
Default
Default occurs when you fail to comply with any of the terms, including the promise
to pay, outlined in any agreement you have with us and/or when you fail to operate
your account in a satisfactory manner; for example, if you have multiple NSF cheques.
If your overdraft balance goes into default, we may close your account and convert
your overdraft balance to delinquent demand loan status. Interest payable will be
calculated daily and applied to the demand loan at a rate of 21% per annum. Please
note that default is reported to credit bureaus, which can adversely affect your credit
rating and negatively impact your future borrowing capability.

Terminating the agreement
The term of the agreement is perpetual unless terminated under the terms of this
agreement. Either party may terminate the agreement. We may terminate the
agreement, without notice to you, if you are in default. We may terminate the
agreement, without reason, by giving you 30 days written notice. You may terminate
the agreement by giving us at least 5 business days prior written notice.
Termination does not relieve you of any obligations under this agreement until the
overdraft amount has been paid to us in full. Regardless of such termination, you are
responsible for paying us for all debits or other charges made following termination.
Overdraft Protection Agreement 60
Telephone/Fax/E-Mail Banking Agreement

Through this Banking Services Agreement, you authorize Scotiabank, including any of our
subsidiaries or agents for whom we normally accept instructions, to act on instructions
that you provide by telephone, fax, or e-mail. These instructions are only for accounts or
products where you alone can give instructions.
Instructions may be given for:
Investments in and renewals of GICs and mutual funds
Transfers from your deposit accounts to purchase GICs and mutual funds
Transfers between investments
Changing instructions for the payment of principal, interest or income from existing or
maturing GICs or mutual funds
Changing personal data in your accounts or investments for changes that do not
require proof of the change
Transfers to or between your own bank accounts with Scotiabank within Canada
Redeeming GICs, mutual funds or other investments and depositing the funds to an
account registered to all owners of the GICs, mutual funds or investments
Transferring money to your Scotiabank Money Master Savings Account or Scotia
Power Savings Account from your account at another financial institution.
You agree that you will be bound by the agreements for the deposit and credit accounts or
loan products you have given instructions for. You may also apply for certain personal loan
or mortgage products or credit accounts, or otherwise give instructions with respect to the
loan product or credit account.
Because we are concerned about the security of your accounts and your personal
information, you agree that we are not required to act on the instructions if we doubt the
identity of the source, or the transaction appears suspicious, questionable or unusual for
your regular banking habits. We may ask you to give us certain information which will
assist us in determining that you are the party giving the instruction. You authorize us to
obtain a credit bureau report, so we may verify your identification. We may send you a
confirmation that the instructions have been received and acted upon. We will also take
reasonable steps to inform you when we have determined that we will not be following
your instructions.
Consent for Electronic Disclosure: You agree that when you provide us with instructions
pursuant to this agreement that you are also requesting and consenting that any
information, documents and/or notices that we provide to you in relation to those
instructions may be provided solely at the fax number used by you to provide instructions
or at the email address used by you to provide instructions, or at the fax number or email
address otherwise designated by you in your instructions, as the case may be. We
recommend that you keep a copy of any such information, documents and/or notices for
your records.
61 Telephone/Fax/E-mail Banking Agreement

You release the bank from any liability or claim for failure to act, execute, or complete any
instructions due to any reason beyond the banks control.
You also agree that the bank or any of its subsidiaries or agents will not be liable to you for
acting on your instructions or on instructions which appear to be from you, if those actions
are in good faith.
You agree to indemnify and save harmless the bank and any of its subsidiaries or agents
from and against any and all liabilities, obligations, losses, damages, penalties, actions,
judgements, suits, costs, expenses, disbursements of any kind or nature whatsoever which
may be imposed upon, incurred by, or served against them, by reason of their actions
taken in accordance with the instructions.
You agree that service fees will apply for actions taken by the bank in response to your
instructions. These fees may be deducted from any account you have with the bank, unless
a specific account is requested by you in your instructions.
We may change/add actions from time to time.
This agreement will be in effect until you cancel it in writing.
Telephone/Fax/E-mail Banking Agreement 62
Bank-to-Bank Transfer Agreement

You authorize Scotiabank to debit the account at the Financial Institution (FI) you
specified, now and in the future on your instructions, for the purpose of transferring
funds into your Scotiabank Money Master Savings Account or Scotia Power Savings
Account. The debit charged to your account is considered as a funds transferred
pre-authorized debit.
You shall notify Scotiabank through its Contact Centre at 1-888-615-0293 of any changes
in the information you provided to us with regard to the account and FI you directed
Scotiabank to debit. You may cancel an authorization for recurring transfers at any time
by calling the Scotiabank Contact Centre or providing us with 10 days written notice. To
obtain a sample cancellation form or further information on your right to cancel an
authorization, contact the Contact Centre or visit www.cdnpay.ca.
You acknowledge and agree that a 6-business day hold will be placed on funds deposited
in your Scotiabank Money Master Savings Account or Scotia Power Savings Account.
transferred from the account and FI you specified.
You warrant and guarantee that you are authorized to transact withdrawals without the
authorization of any other person(s) on the account at the FI from which you have
requested the transfer to come.
You acknowledge that the authorization in this agreement is provided for Scotiabanks
benefit and that of the FI you specified.
You acknowledge and agree that the FI you specified is not required to verify that the
debits are drawn in accordance with the authorization in this agreement and is not
required to verify that Scotiabank has fulfilled any purpose of payment for which the
debit was issued as a condition to authorizing the debits.
Debits charged to the account and FI you specified under this agreement will be
reimbursed, if, within 90 days after the date of the debit, you provide the applicable
branch of the specified FI with a written declaration in which you declare that:
the debit was not made in accordance with this agreement;
the authorization in this agreement was cancelled by you on notice to Scotiabank
before the debit was made; or
you did not authorize the debit.
You have certain recourse rights if any debit does not comply with this agreement. For
example, you have the right to receive reimbursement for any debit that is not
authorized or is not consistent with this agreement. To obtain more information on your
recourse rights, you may contact Scotiabank through its Contact Centre at
1-888-615-0293 or visit www.cdnpay.ca
Your authorization to Scotiabank also constitutes your authorization to the FI you specified.
You agree that Scotiabanks Telephone/Fax/E-Mail Banking Agreement, is amended to
incorporate Bank-to-Bank transfer requests.
63 Bank-to-Bank Transfer Agreement
Bank The Rest Savings Program Agreement

1. We, our, us and Scotiabank means The Bank of Nova Scotia and, as appropriate, any
of our Canadian subsidiaries. Direct Payment is defined in the ScotiaCard
Cardholder Agreement.
2. In order to participate in the Bank the Rest savings program, you must maintain a
Money Master Savings Account, a personal deposit account designated as
chequing or savings and a personal ScotiaCard banking card.
3. You authorize Scotiabank to automatically round up the amount of every Direct
Payment purchase you make on your personal deposit account using your personal
ScotiaCard banking card to the next multiple of the round-up amount you have
indicated in the ScotiaCard Banking Access Enrolment/Maintenance form and
allocate the difference between this multiple and the actual purchase amount as
Bank The Rest savings within your personal deposit account.
4. We aggregate all Bank The Rest savings each business day and transfer that amount
from your personal deposit account to your Money Master Savings Account at the
end of that business day.
5. Even if you subsequently cancel or reverse any purchase you had made using your
ScotiaCard banking card, the corresponding Bank The Rest savings will remain in
the Money Master Savings Account or will be transferred to the Money Master
Savings Account if it hasnt been transferred already.
6. If at the end of a business day the balance in your personal deposit account is less
than the aggregate Bank the Rest savings for that day, we will cancel the transfer
of the Bank The Rest savings to your Money Master Savings Account for that day
even if there is overdraft protection on the account.
7. You acknowledge that the limitations of liability set out in the ScotiaCard Cardholder
Agreement also apply to the Bank the Rest savings program.
8. You may modify or cancel your enrollment in the Bank The Rest savings program by
contacting Scotiabank through its Contact Centre at 1-800-472-6842 or Scotia
Online or by visiting a Scotiabank branch.
Bank The Rest savings program Agreement 64
Deposit Account Agreement

When you signed the Application for Deposit Services, you agreed to the following
terms and conditions governing the account. If you opened an account over the
telephone, your use of the account you applied for will indicate your agreement with
the following terms and conditions governing the account.
Ownership, Survivorship Rights and Signing Arrangements

Sole Account Holders
If an account is in your name only, you alone own the funds in the account, and we will
only take instructions from you. On death, the proceeds in your account will be
disbursed to your estate or as otherwise required by law.
Note to Parents and Legal Guardians Regarding Minor Sole Account Holders:
If you open an account in the name of a minor under 16 years of age with SOLE
ownership, funds in the account belong to the minor account holder. Your signing
authority will continue indefinitely until you (at any time) or the minor (after the
minors 16th birthday) make arrangements in writing to cancel your signing authority.
The minor will be eligible to gain signing authority when he/she turns 16 years of age.
Multiple Account Holders
If an account has multiple account holders, the account signing arrangement that you
selected in the Application for Deposit Services will determine from whom we will
accept instructions to operate the account, and you will be bound by any instructions
given to us by the designated signing authority(ies). Any designated signing authority
will remain in force and can be relied upon by us until we receive written notice of
change from the designated signing authority(ies). To add another account holder to an
existing account, all existing account holders must authorize. To remove an account
holder, all account holders must authorize the closing of the existing account and the
remaining account holders must authorize the opening of a new account with a new
number. In addition, if your account is held at a branch outside of the Province of
Quebec, ownership rights vary depending on the account signing arrangement that you
selected in the Application for Deposit Services.
Because legal responsibilities and tax consequences vary depending on the
ownership, survivorship rights and signing arrangements, you may wish to discuss
these matters with your legal and/or tax advisor when establishing an account with
multiple account holders. We assume no responsibility for any claim or loss
whatsoever arising from or relating to the signing arrangement selected or the
ownership or survivorship rights associated with that signing arrangement.
Not applicable to trust accounts. Refer to In Trust Accounts section of this
agreement for provisions applicable to trust accounts.

65 Deposit Account Agreement

Any to Sign
- Joint Tenants with Right of Survivorship (JTWROS) (accounts outside Quebec)
- Joint Holders (JH) (accounts in Quebec)
If the signing arrangement you selected is any to sign, we will accept instructions
from any one or more of you as if you were the sole owner of the account, without the
signature or consent of the others. For example:
We can deposit in your account all payments received by us from any one or more
of you, or collected by us on behalf of any one or more of you. This includes any
item payable jointly.
We can pay and deduct from your account the amount of any cheque, bill of
exchange, promissory note, pre-authorized payment or order for payment that is
drawn, accepted or made by any one or more of you, even if doing this may cause
your account to become overdrawn or increases an existing overdraft.
We can take instructions from any one or more of you for stopping any payment
order (cheque) drawn on your account.
Except for a lawful claim made before repayment, the whole or any part of the
credit balance in your account may be withdrawn by any one or more of you.
Note: To add another account holder to the account, all existing account holders must
authorize it.
In addition,
a) the obligations set out in this booklet are joint and several (solidarily for accounts
in Quebec) and each joint account holder is fully responsible for those obligations.
b) if your account is held at a branch outside Quebec, the ownership arrangement
will automatically be joint tenants with right of survivorship (JTWROS). This
means that we consider the funds in your account to be joint property with the last
survivor being entitled to payment of the account funds. If one of the account
holders dies, we will consider that the account funds are owned solely by the
surviving account holder or, if there is more than one surviving account holder,
owned as JTWROS by the surviving account holders. We can pay the account funds
to the surviving account holder or, if there is more than one surviving account
holder, to any one or more of the surviving account holders.
c) if your account is held at a branch in Quebec, the ownership arrangement will
automatically be joint holders (JH). This means that if one of the account holders dies,
the surviving account holder(s) do(es) not automatically inherit ownership of the
deceaseds share of the account funds. The deceaseds share of the account funds will
be disbursed to the deceaseds estate in accordance with the deceaseds will or as
otherwise required by law and the remaining share will be disbursed to the surviving
account holder(s) or as otherwise required by law. Unless we are otherwise informed,
we will assume that each joint account holder owns an equal share of the account funds.
Deposit Account Agreement 66
All to Sign or Multiple Signatures

- Tenants in Common (TIC) (accounts outside Quebec)
- Joint Holders (JH) (accounts in Quebec)
If the signing arrangement you selected is all to sign, we will only accept
instructions from all of you. If the signing arrangement is multiple signatures, we
will only accept instructions from the designated signatories in the combination(s)
you specified. Under either type of signing arrangement, we can deposit in your
account all payments received by us from any one or more of you, or collected by us
on behalf of any one or more of you. This includes any item payable jointly.
In addition,
a) the obligations set out in this booklet are joint and several (solidarily for accounts
in Quebec) and each joint account holder is fully responsible for those obligations.
b) if your account is held at a branch outside Quebec, the ownership arrangement
will automatically be tenants in common (TIC), and if your account is held at a
branch in Quebec, the ownership arrangement will automatically be joint holders
(JH). In both cases, this means that if one of the account holders dies, the
surviving account holder(s) do(es) not automatically inherit ownership of the
deceaseds share of the account funds. The deceaseds share of the account funds
will be disbursed to the deceaseds estate in accordance with the deceaseds will
or as otherwise required by law, and the remaining share will be disbursed to the
surviving account holder(s) or as otherwise required by law. Unless we are
otherwise informed, we will assume that each joint account holder owns an equal
share of the account funds.
In Trust For (ITF) Accounts
If an account has been opened as In Trust For, we will only take instructions from the
named trustee account holder(s) in accordance with the signing arrangement for the
account. For tax reporting purposes, we will require the social insurance number (SIN)
of the primary account holder. We will only issue a tax receipt in the name(s) of the
account holder(s).
For ITF accounts with multiple beneficiaries, it is the trustee account holders
responsibility to provide us with the beneficiary information as at April 30th each year to
meet CDIC Disclosure By-Law reqirements.
Because there may be legal responsibilities and tax consequences associated with
opening an In Trust For account, you may wish to discuss these matters with your legal
and/or tax advisor. We assume no responsibility for any claim or loss whatsoever arising
from or relating to the election to open an In Trust For account, nor to have knowledge
of or to observe the terms of any trust, whether written, verbal, implied or constructive.
General Terms & Conditions: All Accounts

Your Payment Obligations
In return for our opening and keeping this personal deposit account, you agree to pay
(and we can deduct) from this account any monthly fee and additional service
charges for the account.
You also agree that we can deduct from this account:
a) Any debt or liability of any of you to us or to any of our subsidiaries.
b) The amount of any instruction we have paid to you or credited to your account,
regardless of whether or not we have received settlement in respect of such
instruction, if in our sole and absolute discretion such instruction is in any way
whatsoever related to a fraudulent item, an item with an endorsement error or an
item for which we may incur a loss if the payment or credit thereof is not reversed,
together with all related costs associated with such a charge to your account.
If any of the above-described deductions creates or increases an overdraft, you are still
responsible for each charge, debit or liability until you pay us. You promise to pay us on
request, the amount of any overdraft along with your overdraft charges then current.
Where Deposits Payable
The amount of any debt owing by us by reason of a deposit in this account, is payable only
at the branch where you have the account, and you are not entitled to ask for payment
at any other branch. We may however, permit you (either occasionally or as a regular
practice) to withdraw monies and perform other banking transactions at another
Scotiabank branch through any branch banking, Scotiabank Cashstop service, other
designated automated banking machines, or through any other means we may permit.
We may require you to give us up to 10 days notice before you make a withdrawal.
Inactive Accounts
Your account will be considered inactive if you do not complete a transaction, update
your passbook or request a statement of account for 24 months. If your account
becomes inactive, we require that you visit the account branch and present acceptable
proof of your identity and address to reactivate the account. If your account remains
inactive, we will send you a notice after 2, 5 and 9 years of inactivity and a 9 year notice
of transfer to the Bank of Canada.
Account Closure/Terminating a Service
a) Without Notice: We may close your account(s) and/or terminate any of the services
we provide to you, without notice to you, in any circumstance in which we consider
it reasonable to do so including, without limitation, in the following circumstances:
if you do not operate your account in a satisfactory manner, for example, if you
maintain an overdrawn balance due to NSF cheques or outstanding service charges;
if we have reasonable grounds to believe that you are using an account for illegal
or fraudulent purposes; or
if we have reasonable grounds to believe that it is necessary to terminate our
relationship with you in order to protect our customers or employees from
physical harm, harassment or other abuse.
b) With Notice: We may close your account(s) and/or cancel any of the services we
provide to you, without reason, by giving you 30 days written notice.
c) Continuing Obligations: You are not relieved of your obligations with respect to any
terminated account(s) or services, until those obligations have been satisfied.
Amendments
We may amend this agreement at any time without prior notice.
In Quebec
The signatory(ies) has/have required that this document be drawn up in English. Le(s)
signataire(s) a (ont) exig que ce document soit rdig en anglais.
If this account is in foreign currency, we can use any third party to act as your agent
for funds transfers or other transactions for your account. We are not liable for any act
or omission of any third party or for any loss, destruction or delay beyond our control.
We are not responsible for any increase or reduction in the value of your account due
to changes in foreign currency exchange rates or for the unavailability of funds due to
foreign currency restrictions.
In return for our keeping your account, you agree that any claims we may have against
you, and any service fees and other charges related to the account, can be deducted
from the account in the same currency as the account.
A deposit to a Scotia U.S. Dollar Daily Interest Account or a Scotia Euro Daily Interest
Account is not insured by the Canada Deposit Insurance Corporation.
Verifying Your Accounts
You must review your statements - You must promptly review your paperless or paper
account statements, online transaction history or passbook to check and verify the
transactions/entries. If you believe there are any errors or omissions you must tell us
in writing within the applicable time period indicated below for the recordkeeping
option you have selected. If you do not tell us of an error or omission within the
applicable time periods, you
a) will be deemed to have conclusively agreed to the contents of the paperless statement,
paper account statement or passbook, as applicable, whether or not you have reviewed
your statement or passbook, as you are required to do under this agreement, and

b) agree that you will have no claim against us for reimbursement relating to any
account entry, even if the instruction charged to your account was forged,
unauthorized or fraudulent.
Suppression of Statements - If you have selected a Paperless Statement, Braille
Statement, Paper Statement or Paper Statement with Cheque Image Return
recordkeeping option, the statement is suppressed automatically (except statements
produced in December) if the account is in a zero or positive balance and if there was
no activity such as withdrawals, deposits, interest or fees for the statement period.
Paperless Statement - If you have selected Paperless Statement recordkeeping option,
an electronic statement on Scotia OnLine Financial Services, you acknowledge and agree
that you will not receive any paper statements in the mail. We will only be required to
post each of your account transactions for a period of 30 days. If you wish to preserve a
permanent copy of such account statements, you should save them in hard copy or
electronic format. Replacement paper copies of your account statement are available for
our posted fee. You agree to review your account transactions and balances at least every
30 days. If you believe there are any errors or omissions you must tell us in writing within
60 days of the date of the disputed entry.
Passbook If you have selected the Passbook recordkeeping option, you will need to
visit a Scotiabank branch to pick up a passbook for use with that account. In addition,
you agree to update it at least every 30 days by visiting any branch or using Scotiabank
Automated Banking Machines (ABMs) equipped with a passbook updater (available at
select locations). If you do not update your passbook regularly, a passbook statement is
automatically generated and mailed to you after 50 transactions have been processed
through your account and a fee will be charged. If you believe there are any errors or
omissions you must tell us in writing within 60 days of the date of the disputed entry.
Changing from Passbook - If you change from Passbook to any other recordkeeping
option, the passbook update function will be discontinued and passbook updates will no
longer be available. We will forward a one-time final passbook statement (passbook
transactions printed on a paper statement format using passbook symbols) to you at the
end of the current month with all transactions (including applicable service fees) if
there have been any transactions on your account since your most recent passbook
update or since the last time that we sent you a back item statement. The recordkeeping
fee for Passbook (if applicable) is not charged for this passbook statement.
Paper Statement or Paper Statement with Cheque Image Return If you have
selected Paper Statement recordkeeping option, it will be mailed to the account
mailing address you provided us. If you have selected Paper Statement with Cheque
Image Return recordkeeping option, a hard copy of statement with printed digital
images of the front of your cleared cheques processed through your account for the
statement cycle will be mailed to you. In addition,
a) if you have selected the delivery option and a statement is returned to us as

undeliverable, no further statements will be sent to you until you provide us with
a current mailing address. Until such time you agree to use Internet banking,
mobile banking, Telephone banking or a Scotiabank automated banking machine
at least once every 30 days in order to verify your account transactions, and
b) if you have requested to pick up the statement, the statement will be mailed to the
domicile branch of the account, and an additional monthly fee will be charged.
Replacement paper copies of your account statement are available for our posted fee.
If you believe there are any errors or omissions you must tell us in writing within 30
days of the date of the statement date.
Changing from Paper Statements - When you change from Paper Statement to Paperless
Statement or Passbook recordkeeping option, you will receive one final paper statement,
which will provide you with a record of transactions for the current statement cycle.
Braille Statements Braille Statement recordkeeping option for visually impaired
customers is available upon request through the domicile branch of the account.
Limits of our Liability
Under no circumstances will we be liable for any indirect, special, consequential,
exemplary or punitive damages or losses in connection with your account or the
provision by us of any service, or our refusal to provide any service, even if we knew any
such damage or loss was likely or was a result of our negligence or the negligence of our
employees, agents or representatives. In addition, we are not liable to you for any other
damages or losses, unless caused by our negligence or unless applicable legislation or
an industry code to which we have publicly committed requires otherwise.
Nothing in this Limits of our Liability section shall operate or be construed in any
way to impose any obligations on us that we have not expressly agreed to assume in
this agreement or booklet or limit any rights we have under any other provision of this
agreement or in this booklet or as otherwise provided by law.
Registered Trademarks of The Bank of Nova Scotia.

Trademarks of The Bank of Nova Scotia.
* VISA Int./Lic. user The Bank of Nova Scotia.
Trademark of Interac Inc. used under License.
used under license by American Express Company.
All other service and product names are trademarks or registered trademarks of their
respective owners.
The display of trademarks herein does not imply that a License of any kind has
been granted.
1227114 (08/13)

Day To Day Banking Companion Booklet - Scotiabank PDF

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Day-to-Day

So whats in this booklet?

Day-to-Day Banking Companion Booklet

Definitions you need to know

General terms and conditions

Opening A Personal Deposit

Day-to-Day Banking Companion Booklet

Thank you for Opening A Personal Deposit Account 4

Transferring Your Account to

Close your accounts at the other financial institution.

5 Transferring Your Account to Scotiabank

Day-to-Day Banking Companion Booklet

Account Selector Tool

Getting There Savings Program for Youth: page 14 & 16

Are you a full-time student?

Student Banking Advantage Plan: page 14 & 16

Are you age 60 or older?

See Seniors Discount: page 15

Transactions Per Month

ABM cash withdrawals

Scotia Power Savings Account

High Interest on balances

Money Master Savings Account

Competitive interest on every

Scotia U.S. Dollar Daily

Scotia Euro Daily Interest Savings

FOREIGN CURRENCY ACCOUNTS

Account Selector Tool 6

General Information about

A few notes about processing your transactions

7 General Information about Personal Accounts

Day-to-Day Banking Companion Booklet

Consider the benefits of Direct Deposit

Cheques you deposit may be returned

Electronic Funds Transfer (EFTs) and Telephone Funds Transfers (TFTs)

Day-to-Day Banking Companion Booklet

Processing your pre-authorized payments

Issuing a stop payment on a cheque

General Information about Personal Accounts 10

Day-to-Day Banking Accounts

Basic Banking Plan

Scotia One Account

Scotia Moneyback Account

11 Day-to-Day Banking Accounts

Day-to-Day Banking Companion Booklet

Day-to-Day Banking Accounts 12

Core Account Features & Fees

Seniors Discount (credit to Monthly

Monthly account fee waiver with

Unlimited selfservice transactions and

Charge for each additional debit

No. of debit transactions (any type,

Paper Statement with

View each electronic image

Each bill payment history

Bank The Rest Program

Scene Loyalty Rewards Program

Access fee for each withdrawal

Access fee for each withdrawal

Access fee for each withdrawal

Each assisted telephone transaction

Each Interac e-Transfer